Youngstown, OH · Charter 61121
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Youngstown, OH · Charter 61121
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.46% | 0.54% | 0.45% | 0.15% | -12 bps | |
| Return on Equity | 2.08% | 3.34% | 3.83% | 3.12% | 1.01% | -107 bps | |
| Net Interest Margin | 3.15% | 3.34% | 3.44% | 3.55% | 3.55% | +40 bps | |
| Efficiency Ratio | 93.29% | 89.42% | 87.61% | 88.10% | 91.99% | -129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.62% | -6.81% | -6.19% | -5.17% | -9.13% | -151 bps | |
| Loan Growth (YoY) | 13.26% | 17.08% | 10.99% | 6.63% | -1.35% | -1,462 bps | |
| Share Growth (YoY) | -7.10% | -6.27% | -7.00% | -6.47% | -10.99% | -389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 1.71% | 1.64% | 2.27% | 1.87% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.58% | 0.43% | 0.47% | 0.49% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.13% | 13.66% | 13.99% | 14.45% | 14.87% | +174 bps | |
| Net Worth / Assets | 13.13% | 13.66% | 13.99% | 14.45% | 14.87% | +174 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.66% | 76.34% | 79.07% | 79.04% | 78.30% | +765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |