Coshocton, OH · Charter 21511
NCUA · 1 branch
Q2 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.38% | -0.56% | -0.45% | 0.26% | +105 bps | |
| Return on Equity | -10.90% | -5.50% | -7.40% | -6.85% | 3.81% | +1,472 bps | |
| Net Interest Margin | 3.91% | 3.57% | 3.88% | 3.26% | 3.27% | -64 bps | |
| Efficiency Ratio | 118.57% | 123.32% | 123.54% | 112.93% | 158.52% | +3,995 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.41% | 1.84% | 10.94% | 12.75% | 6.18% | +859 bps | |
| Loan Growth (YoY) | -23.33% | -26.04% | -18.76% | -10.81% | 2.93% | +2,626 bps | |
| Share Growth (YoY) | -1.93% | 2.51% | 12.74% | 14.23% | 6.10% | +803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.20% | 0.07% | 0.07% | 0.00% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.45% | 5.68% | 5.49% | 5.13% | 1.89% | -457 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.26% | 6.99% | 7.56% | 6.63% | 6.84% | -42 bps | |
| Net Worth / Assets | 7.26% | 6.99% | 7.56% | 6.63% | 6.84% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.89% | 37.40% | 43.45% | 39.77% | 40.64% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |