Dayton, OH · Charter 293
NCUA · 6 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Dayton, OH · Charter 293
NCUA · 6 branches
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.29% | 0.24% | 0.21% | -2.99% | -346 bps | |
| Return on Equity | 4.64% | 2.95% | 2.36% | 2.05% | -32.66% | -3,730 bps | |
| Net Interest Margin | 2.69% | 2.68% | 2.72% | 2.73% | 2.58% | -11 bps | |
| Efficiency Ratio | 83.61% | 87.12% | 88.43% | 89.09% | 185.88% | +10,227 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.67% | 3.47% | 1.62% | -0.25% | 0.89% | -77 bps | |
| Loan Growth (YoY) | 3.79% | -4.81% | -7.29% | -8.23% | -8.64% | -1,243 bps | |
| Share Growth (YoY) | 1.24% | 3.34% | 1.41% | -0.53% | 0.93% | -31 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.56% | 0.66% | 0.67% | 0.52% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.85% | 0.91% | 0.94% | 0.87% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.95% | 10.10% | 10.15% | 9.17% | -75 bps | |
| Net Worth / Assets | 9.92% | 9.95% | 10.10% | 10.15% | 9.17% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.15% | 52.50% | 52.00% | 50.92% | 49.01% | -513 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |