Clarington, OH · Charter 60913
NCUA · 4 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Clarington, OH · Charter 60913
NCUA · 4 branches
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.64% | 0.98% | 0.86% | 0.87% | +24 bps | |
| Return on Equity | 7.10% | 7.23% | 11.28% | 9.52% | 9.47% | +237 bps | |
| Net Interest Margin | 2.75% | 2.79% | 2.91% | 3.10% | 3.19% | +43 bps | |
| Efficiency Ratio | 80.55% | 79.22% | 73.21% | 71.62% | 71.31% | -924 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.07% | 8.82% | 9.25% | 5.73% | 6.44% | -63 bps | |
| Loan Growth (YoY) | 43.56% | 42.48% | 31.27% | 25.33% | 22.40% | -2,116 bps | |
| Share Growth (YoY) | 6.88% | 8.63% | 9.39% | 7.18% | 6.64% | -23 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.62% | 0.57% | 0.66% | 0.37% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.29% | 0.29% | 0.36% | 0.38% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.87% | 8.91% | 8.72% | 9.04% | 9.16% | +28 bps | |
| Net Worth / Assets | 8.87% | 8.91% | 8.72% | 9.04% | 9.16% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.95% | 66.64% | 66.06% | 71.38% | 74.55% | +959 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |