Niles, OH · Charter 60973
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.22% | 0.27% | 0.33% | 0.22% | 0.01% | -0.11% | -0.18% | -52 bps | |
| Return on Equity | 1.60% | 1.17% | 1.43% | 1.69% | 1.11% | 0.06% | -0.58% | -1.01% | -270 bps | |
| Net Interest Margin | 2.84% | 2.75% | 2.78% | 2.79% | 2.78% | 2.57% | 2.37% | 2.24% | -55 bps | |
| Efficiency Ratio | 85.81% | 87.56% | 89.14% | 88.01% | 91.81% | 99.64% | 103.70% | 106.74% | +1,874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.41% | -22.00% | -16.62% | -16.20% | -4.73% | -4.17% | 1.76% | 7.12% | +2,332 bps | |
| Loan Growth (YoY) | -13.67% | -12.94% | -14.19% | -10.94% | -11.28% | -15.72% | -12.48% | -14.41% | -347 bps | |
| Share Growth (YoY) | -29.73% | -22.69% | -20.11% | -15.57% | -6.28% | -6.59% | 0.47% | 7.78% | +2,335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 2.02% | 3.89% | 3.95% | 4.69% | 1.62% | 3.14% | 0.24% | -371 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 | 1.38% | 1.75% | 1.89% | 1.42% | 1.31% | 1.41% | 1.59% | 1.39% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.76% | 18.62% | 18.79% | 19.72% | 19.88% | 19.64% | 18.46% | 18.21% | -151 bps | |
| Net Worth / Assets | 18.76% | 18.62% | 18.79% | 19.72% | 19.88% | 19.64% | 18.46% | 18.21% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.55% | 28.81% | 27.69% | 29.47% | 28.92% | 25.99% | 24.12% | 23.40% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |