Canton, OH · Charter 24646
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -17.63% | -15.32% | -16.17% | -7.17% | -2.88% | -3.83% | -5.07% | -5.51% | +166 bps | |
| Return on Equity | -139.55% | -136.69% | -159.40% | -89.26% | -33.35% | -49.29% | -93.92% | -131.43% | -4,217 bps | |
| Net Interest Margin | 8.69% | 8.86% | 9.93% | 7.58% | 7.60% | 7.88% | 7.59% | 5.55% | -203 bps | |
| Efficiency Ratio | 1359% | 488% | 338% | 144.52% | 107.78% | 116.39% | 128.74% | 174.40% | +2,988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.28% | -13.78% | -20.62% | -19.90% | -17.98% | -17.80% | -3.17% | -8.97% | +1,093 bps | |
| Loan Growth (YoY) | -20.51% | -24.63% | -21.91% | -21.88% | -19.09% | -17.95% | -17.59% | -19.50% | +238 bps | |
| Share Growth (YoY) | 0.12% | -2.29% | -9.89% | -10.51% | -14.29% | -14.70% | 1.86% | -4.97% | +554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.93% | 10.49% | 8.39% | 9.93% | 10.29% | 11.48% | 18.09% | 14.82% | +489 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 | 2.72% | 3.17% | 4.33% | 5.26% | 4.10% | 4.69% | 5.19% | 5.75% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 11.21% | 10.14% | 8.04% | 8.64% | 7.77% | 5.40% | 4.19% | -385 bps | |
| Net Worth / Assets | 12.64% | 11.21% | 10.14% | 8.04% | 8.64% | 7.77% | 5.40% | 4.19% | -385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.99% | 80.18% | 87.39% | 77.52% | 76.46% | 77.12% | 70.70% | 65.67% | -1,185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |