Mason, OH · Charter 22915
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mason, OH · Charter 22915
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | -0.51% | -0.48% | -0.15% | -3.27% | -280 bps | |
| Return on Equity | -7.58% | -7.57% | -8.11% | -2.32% | -73.61% | -6,603 bps | |
| Net Interest Margin | 2.99% | 3.30% | 2.87% | 3.00% | 3.15% | +16 bps | |
| Efficiency Ratio | 113.08% | 112.54% | 113.28% | 103.90% | 144.90% | +3,181 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.55% | 0.23% | -1.69% | -4.26% | -10.80% | -1,026 bps | |
| Loan Growth (YoY) | -0.33% | 3.41% | 12.36% | 0.77% | -7.73% | -740 bps | |
| Share Growth (YoY) | -0.06% | 0.83% | -1.31% | -4.56% | -10.15% | -1,009 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.62% | 1.38% | 0.77% | 0.82% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 1.00% | 0.88% | 0.91% | 2.60% | +170 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.26% | 6.73% | 5.91% | 6.31% | 4.45% | -182 bps | |
| Net Worth / Assets | 6.26% | 6.73% | 5.91% | 6.31% | 4.45% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.87% | 57.80% | 50.66% | 51.24% | 53.26% | +140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 94.62% | 0.00% | 0.00% | 0 bps | |