Cleveland, OH · Charter 2538
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.16% | 1.49% | -7.32% | -7.65% | -855 bps | |
| Return on Equity | 3.28% | 0.63% | 5.99% | -36.74% | -36.92% | -4,020 bps | |
| Net Interest Margin | 4.14% | 4.39% | 4.51% | 4.86% | 5.17% | +103 bps | |
| Efficiency Ratio | 95.51% | 97.08% | 72.95% | 163.75% | 173.83% | +7,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.15% | 2.50% | 3.82% | -1.23% | -3.76% | +39 bps | |
| Loan Growth (YoY) | 16.56% | 20.77% | 35.97% | 31.15% | -0.83% | -1,739 bps | |
| Share Growth (YoY) | -5.69% | 2.95% | 2.30% | 2.41% | 1.22% | +691 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.09% | 2.03% | 0.72% | 2.13% | 5.38% | +330 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.59% | 0.55% | 4.46% | 3.61% | +269 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.31% | 25.51% | 24.94% | 19.91% | 20.72% | -658 bps | |
| Net Worth / Assets | 27.31% | 25.51% | 24.94% | 19.91% | 20.72% | -658 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.73% | 80.65% | 85.52% | 87.09% | 83.01% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |