Toledo, OH · Charter 6019
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Toledo, OH · Charter 6019
NCUA · 1 branch
Q2 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.51% | -0.54% | -0.43% | -0.43% | -0.52% | -0.69% | -3.81% | -339 bps | |
| Return on Equity | -3.61% | -3.28% | -3.35% | -2.65% | -2.58% | -3.33% | -4.58% | -28.41% | -2,576 bps | |
| Net Interest Margin | 2.57% | 2.45% | 2.38% | 2.43% | 2.53% | 2.40% | 2.23% | -0.87% | -331 bps | |
| Efficiency Ratio | 116.08% | 114.73% | 117.67% | 113.59% | 113.06% | 115.29% | 123.90% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | 3.99% | -4.52% | -3.21% | -4.18% | -3.66% | 3.91% | 3.43% | +663 bps | |
| Loan Growth (YoY) | -1.20% | -4.11% | -3.26% | 1.46% | -4.47% | -3.38% | 1.19% | -1.33% | -279 bps | |
| Share Growth (YoY) | -5.89% | 6.22% | -5.26% | -3.66% | -4.70% | -3.95% | 5.94% | 7.43% | +1,109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.56% | 0.09% | 0.00% | 0.08% | 0.01% | 0.02% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.90% | 0.97% | 0.50% | 0.40% | 0.58% | 0.40% | 0.40% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.43% | 15.63% | 16.17% | 16.18% | 16.72% | 15.70% | 15.01% | 13.43% | -275 bps | |
| Net Worth / Assets | 16.43% | 15.63% | 16.17% | 16.18% | 16.72% | 15.70% | 15.01% | 13.43% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.57% | 29.71% | 29.23% | 29.84% | 31.65% | 29.89% | 27.92% | 27.41% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |