Kettering, OH · Charter 61014
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Kettering, OH · Charter 61014
NCUA · 2 branches
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -0.64% | -0.67% | -0.33% | -0.36% | -0.34% | -1.90% | -0.98% | -64 bps | |
| Return on Equity | -7.05% | -6.16% | -6.75% | -3.49% | -3.76% | -3.51% | -22.85% | -11.83% | -834 bps | |
| Net Interest Margin | 2.17% | 2.24% | 2.18% | 2.18% | 2.19% | 2.26% | 2.32% | 2.25% | +7 bps | |
| Efficiency Ratio | 127.14% | 122.45% | 123.74% | 111.06% | 111.52% | 110.65% | 165.52% | 136.87% | +2,580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 1.11% | 4.09% | 4.52% | 4.32% | 2.40% | -3.11% | -7.99% | -1,250 bps | |
| Loan Growth (YoY) | -1.30% | -3.56% | -0.85% | 1.24% | -8.87% | -0.87% | -4.83% | -10.30% | -1,154 bps | |
| Share Growth (YoY) | 2.45% | 2.88% | 5.42% | 5.79% | 6.12% | 3.31% | -2.29% | -6.68% | -1,247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.19% | 0.30% | 0.25% | 0.21% | 0.22% | 0.41% | 0.39% | +14 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 | 0.64% | 0.77% | 0.55% | 0.59% | 0.66% | 0.68% | 0.57% | 0.25% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 10.42% | 9.92% | 9.53% | 9.45% | 9.68% | 8.30% | 8.26% | -127 bps | |
| Net Worth / Assets | 10.39% | 10.42% | 9.92% | 9.53% | 9.45% | 9.68% | 8.30% | 8.26% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.41% | 24.70% | 24.33% | 23.83% | 21.82% | 23.70% | 23.70% | 22.90% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |