Dayton, OH · Charter 362
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 362
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.00% | 0.12% | 0.24% | -2.62% | -267 bps | |
| Return on Equity | 0.82% | -0.04% | 1.63% | 3.22% | -37.55% | -3,837 bps | |
| Net Interest Margin | 2.97% | 2.81% | 2.88% | 2.91% | 3.00% | +4 bps | |
| Efficiency Ratio | 90.93% | 90.21% | 88.65% | 87.04% | 117.37% | +2,644 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.73% | -2.96% | -4.06% | -4.29% | -4.99% | -326 bps | |
| Loan Growth (YoY) | -0.86% | -8.80% | -11.05% | -12.79% | -13.20% | -1,234 bps | |
| Share Growth (YoY) | -2.03% | -1.48% | -3.69% | -3.59% | -4.37% | -234 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.34% | 1.38% | 1.10% | 1.28% | 0.59% | -175 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.12% | 1.15% | 1.19% | 1.28% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.02% | 7.10% | 7.39% | 7.59% | 6.97% | -6 bps | |
| Net Worth / Assets | 7.02% | 7.10% | 7.39% | 7.59% | 6.97% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.05% | 49.58% | 50.27% | 48.76% | 46.34% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |