Dayton, OH · Charter 60885
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 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.
Dayton, OH · Charter 60885
NCUA · 2 branches
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.01% | 0.05% | 0.05% | -0.02% | +4 bps | |
| Return on Equity | -0.49% | 0.07% | 0.45% | 0.54% | -0.16% | +33 bps | |
| Net Interest Margin | 2.93% | 2.87% | 2.72% | 2.81% | 2.88% | -5 bps | |
| Efficiency Ratio | 95.81% | 95.64% | 105.06% | 98.19% | 97.30% | +149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.79% | 4.87% | 2.64% | 5.34% | 8.58% | +578 bps | |
| Loan Growth (YoY) | 6.00% | 6.87% | 7.96% | 16.99% | 28.19% | +2,220 bps | |
| Share Growth (YoY) | 3.29% | 6.51% | 2.57% | 2.23% | 7.32% | +403 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.69% | 0.87% | 0.54% | 0.58% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.65% | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.92% | 0.60% | 0.44% | 0.37% | -60 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.62% | 10.38% | 10.24% | 9.89% | -95 bps | |
| Net Worth / Assets | 10.84% | 10.62% | 10.38% | 10.24% | 9.89% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.34% | 70.67% | 70.24% | 79.30% | 84.02% | +1,368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |