Cleveland, OH · Charter 2538
NCUA · 1 branch
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | 0.06% | -0.39% | 0.90% | 0.16% | 1.49% | -7.32% | -7.65% | -855 bps | |
| Return on Equity | -4.09% | 0.25% | -1.58% | 3.28% | 0.63% | 5.99% | -36.74% | -36.92% | -4,020 bps | |
| Net Interest Margin | 3.87% | 3.76% | 3.83% | 4.14% | 4.39% | 4.51% | 4.86% | 5.17% | +103 bps | |
| Efficiency Ratio | 121.75% | 98.69% | 108.22% | 95.51% | 97.08% | 72.95% | 163.75% | 173.83% | +7,832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.05% | 3.18% | 1.08% | -4.15% | 2.50% | 3.82% | -1.23% | -3.76% | +39 bps | |
| Loan Growth (YoY) | -0.95% | -4.49% | 1.08% | 16.56% | 20.77% | 35.97% | 31.15% | -0.83% | -1,739 bps | |
| Share Growth (YoY) | 0.42% | 5.83% | 2.09% | -5.69% | 2.95% | 2.30% | 2.41% | 1.22% | +691 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.81% | 3.84% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.15% | 2.24% | 0.92% | 0.59% | 0.55% | 4.46% | 3.61% | +269 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.83% | 24.78% | 24.78% | 27.31% | 25.51% | 24.94% | 19.91% | 20.72% | -658 bps | |
| Net Worth / Assets | 25.83% | 24.78% | 24.78% | 27.31% | 25.51% | 24.94% | 19.91% | 20.72% | -658 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.75% | 64.34% | 68.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |