Toledo, OH · Charter 3522
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.49% | 0.39% | 0.24% | -1.50% | -209 bps | |
| Return on Equity | 4.35% | 3.59% | 2.90% | 1.81% | -11.78% | -1,613 bps | |
| Net Interest Margin | 3.08% | 3.14% | 2.73% | 2.77% | 2.81% | -28 bps | |
| Efficiency Ratio | 77.57% | 79.10% | 84.43% | 87.61% | 137.90% | +6,033 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.36% | -1.20% | -1.01% | -2.32% | -2.79% | -43 bps | |
| Loan Growth (YoY) | -1.65% | -3.89% | 2.79% | -6.20% | -4.97% | -333 bps | |
| Share Growth (YoY) | -3.23% | -1.96% | -1.68% | -3.05% | -3.13% | +10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.27% | 0.46% | 0.46% | 0.57% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.64% | 0.65% | 0.69% | 0.73% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.45% | 13.75% | 13.41% | 13.48% | 12.76% | -69 bps | |
| Net Worth / Assets | 13.45% | 13.75% | 13.41% | 13.48% | 12.76% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.83% | 41.07% | 39.84% | 36.94% | 39.07% | -76 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |