Hamilton, OH · Charter 60954
NCUA · 6 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.
Hamilton, OH · Charter 60954
NCUA · 6 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 | 0.22% | 0.21% | -0.02% | 0.10% | -1.98% | -220 bps | |
| Return on Equity | 2.59% | 2.52% | -0.29% | 1.26% | -31.23% | -3,383 bps | |
| Net Interest Margin | 3.08% | 3.06% | 3.15% | 3.22% | 3.19% | +11 bps | |
| Efficiency Ratio | 93.53% | 93.73% | 97.42% | 95.02% | 166.74% | +7,321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.31% | 2.72% | 1.14% | 1.79% | 6.80% | +649 bps | |
| Loan Growth (YoY) | 5.49% | 2.74% | 3.68% | 6.93% | 9.74% | +425 bps | |
| Share Growth (YoY) | 0.00% | 2.52% | 1.18% | 1.62% | 7.75% | +776 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.90% | 0.69% | 0.86% | 0.79% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.65% | 0.64% | 0.61% | 0.59% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.32% | 8.20% | 8.12% | 8.15% | 6.35% | -197 bps | |
| Net Worth / Assets | 8.32% | 8.20% | 8.12% | 8.15% | 6.35% | -197 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.52% | 88.94% | 89.34% | 92.73% | 92.19% | +167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |