Springfield, OH · Charter 346
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.04% | 0.16% | 0.33% | 0.09% | -44 bps | |
| Return on Equity | 5.70% | 0.44% | 1.70% | 3.32% | 0.92% | -478 bps | |
| Net Interest Margin | 4.04% | 3.43% | 3.60% | 3.74% | 3.74% | -29 bps | |
| Efficiency Ratio | 88.30% | 98.95% | 99.53% | 94.32% | 99.58% | +1,128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.64% | 7.42% | 2.27% | -2.51% | -6.92% | -1,656 bps | |
| Loan Growth (YoY) | 0.92% | 3.59% | 5.05% | -7.05% | -15.62% | -1,654 bps | |
| Share Growth (YoY) | 4.66% | 2.73% | 2.44% | 1.86% | -2.94% | -760 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.00% | 0.40% | 0.51% | 1.48% | +118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.26% | 1.26% | 1.31% | 1.44% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.36% | 9.13% | 9.43% | 9.92% | 10.15% | +79 bps | |
| Net Worth / Assets | 9.36% | 9.13% | 9.43% | 9.92% | 10.15% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.61% | 70.79% | 69.17% | 69.49% | 65.73% | -988 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |