Toledo, OH · Charter 5461
NCUA · 1 branch
Q1 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.94% | -4.74% | -5.31% | -4.04% | -5.00% | +94 bps | |
| Return on Equity | -89.84% | -76.69% | -99.06% | -69.25% | -104.25% | -1,440 bps | |
| Net Interest Margin | 5.50% | 5.58% | 5.83% | 5.84% | 4.70% | -79 bps | |
| Efficiency Ratio | 111.35% | 112.31% | 115.51% | 115.40% | 122.81% | +1,146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -23.79% | -25.00% | -28.01% | -25.96% | -22.02% | +176 bps | |
| Loan Growth (YoY) | -7.39% | -15.11% | -25.46% | -33.61% | -38.93% | -3,154 bps | |
| Share Growth (YoY) | -23.20% | -23.82% | -32.58% | -23.63% | -20.55% | +265 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 1.34% | 2.89% | 4.50% | 2.60% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.56% | 3.14% | 3.69% | 3.43% | 3.99% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.61% | 6.19% | 5.36% | 5.83% | 4.79% | -182 bps | |
| Net Worth / Assets | 6.61% | 6.19% | 5.36% | 5.83% | 4.79% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.56% | 66.47% | 68.73% | 60.56% | 52.70% | -1,586 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |