Dayton, OH · Charter 60885
NCUA · 2 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.01% | -0.06% | -0.05% | 0.01% | 0.05% | 0.05% | -0.02% | +4 bps | |
| Return on Equity | 0.77% | 0.08% | -0.54% | -0.49% | 0.07% | 0.45% | 0.54% | -0.16% | +33 bps | |
| Net Interest Margin | 2.88% | 2.77% | 2.91% | 2.93% | 2.87% | 2.72% | 2.81% | 2.88% | -5 bps | |
| Efficiency Ratio | 94.78% | 94.24% | 94.37% | 95.81% | 95.64% | 105.06% | 98.19% | 97.30% | +149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 4.26% | 3.43% | 2.79% | 4.87% | 2.64% | 5.34% | 8.58% | +578 bps | |
| Loan Growth (YoY) | 6.00% | 6.65% | 7.81% | 6.00% | 6.87% | 7.96% | 16.99% | 28.19% | +2,220 bps | |
| Share Growth (YoY) | -1.34% | 4.26% | 3.93% | 3.29% | 6.51% | 2.57% | 2.23% | 7.32% | +403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.18% | 0.80% | 0.85% | 0.69% | 0.87% | 0.54% | 0.58% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | 0.65% | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.94% | 0.95% | 0.97% | 0.92% | 0.60% | 0.44% | 0.37% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 10.67% | 10.73% | 10.84% | 10.62% | 10.38% | 10.24% | 9.89% | -95 bps | |
| Net Worth / Assets | 11.15% | 10.67% | 10.73% | 10.84% | 10.62% | 10.38% | 10.24% | 9.89% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.42% | 66.73% | 69.29% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |