Youngstown, OH · Charter 345
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.38% | 0.00% | 0.08% | -1.13% | -164 bps | |
| Return on Equity | 2.11% | 1.60% | 0.01% | 0.34% | -5.07% | -717 bps | |
| Net Interest Margin | 2.32% | 2.37% | 2.33% | 2.59% | 2.64% | +31 bps | |
| Efficiency Ratio | 55.19% | 56.65% | 57.79% | 57.28% | 87.31% | +3,212 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.94% | -8.53% | -7.39% | -2.50% | -2.11% | +384 bps | |
| Loan Growth (YoY) | 8.61% | -2.65% | -5.49% | -7.83% | -13.13% | -2,174 bps | |
| Share Growth (YoY) | -8.13% | -10.94% | -9.31% | -3.05% | 0.22% | +835 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 7.08% | 7.04% | 4.14% | 6.65% | +483 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 2.12% | 2.66% | 3.16% | 6.00% | +467 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.92% | 23.75% | 24.10% | 23.84% | 22.33% | -159 bps | |
| Net Worth / Assets | 23.92% | 23.75% | 24.10% | 23.84% | 22.33% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.36% | 78.17% | 76.17% | 75.12% | 70.52% | -1,084 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |