Hamilton, OH · Charter 60954
NCUA · 6 branches
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.22% | 0.18% | 0.22% | 0.21% | -0.02% | 0.10% | -1.98% | -220 bps | |
| Return on Equity | 1.53% | 2.78% | 2.18% | 2.59% | 2.52% | -0.29% | 1.26% | -31.23% | -3,383 bps | |
| Net Interest Margin | 2.99% | 2.98% | 3.00% | 3.08% | 3.06% | 3.15% | 3.22% | 3.19% | +11 bps | |
| Efficiency Ratio | 93.46% | 92.71% | 93.98% | 93.53% | 93.73% | 97.42% | 95.02% | 166.74% | +7,321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 0.35% | 1.09% | 0.31% | 2.72% | 1.14% | 1.79% | 6.80% | +649 bps | |
| Loan Growth (YoY) | 11.22% | 11.28% | 6.53% | 5.49% | 2.74% | 3.68% | 6.93% | 9.74% | +425 bps | |
| Share Growth (YoY) | 0.62% | 0.04% | 0.99% | 0.00% | 2.52% | 1.18% | 1.62% | 7.75% | +776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.83% | 0.74% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.68% | 0.70% | 0.69% | 0.65% | 0.64% | 0.61% | 0.59% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.21% | 8.07% | 8.13% | 8.32% | 8.20% | 8.12% | 8.15% | 6.35% | -197 bps | |
| Net Worth / Assets | 8.21% | 8.07% | 8.13% | 8.32% | 8.20% | 8.12% | 8.15% | 6.35% | -197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.75% | 87.19% | 88.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |