Youngstown, OH · Charter 2181
NCUA · 1 branch
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.19% | 0.12% | 0.11% | 0.06% | 0.13% | -0.36% | -1.70% | -181 bps | |
| Return on Equity | 1.02% | 1.01% | 0.66% | 0.54% | 0.28% | 0.61% | -1.80% | -8.50% | -905 bps | |
| Net Interest Margin | 1.97% | 2.19% | 2.04% | 2.12% | 1.91% | 2.05% | 1.52% | 1.61% | -51 bps | |
| Efficiency Ratio | 75.65% | 79.65% | 85.35% | 86.34% | 96.96% | 90.30% | 120.64% | 121.27% | +3,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.99% | -21.80% | -22.10% | -23.81% | -21.07% | -8.35% | -7.80% | -10.15% | +1,366 bps | |
| Loan Growth (YoY) | 3.72% | -3.25% | 7.63% | 1.12% | -5.18% | -18.65% | -34.32% | -41.85% | -4,297 bps | |
| Share Growth (YoY) | -13.06% | -25.78% | -26.02% | -28.13% | -25.28% | -10.38% | -9.66% | -10.54% | +1,759 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.50% | 2.23% | 1.39% | 2.50% | 4.49% | 6.33% | 2.87% | +149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.96% | 0.78% | 0.97% | 1.06% | 1.21% | 1.37% | 5.49% | +452 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.23% | 18.63% | 18.86% | 19.53% | 20.64% | 20.40% | 20.19% | 20.04% | +50 bps | |
| Net Worth / Assets | 16.23% | 18.63% | 18.86% | 19.53% | 20.64% | 20.40% | 20.19% | 20.04% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.78% | 47.96% | 53.51% | 51.35% | 50.48% | 43.53% | 38.90% | 33.37% | -1,797 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |