Dover, OH · Charter 61154
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Dover, OH · Charter 61154
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.14% | 0.00% | -0.39% | -1.94% | -184 bps | |
| Return on Equity | -0.90% | -1.34% | 0.00% | -3.83% | -22.73% | -2,183 bps | |
| Net Interest Margin | 1.80% | 1.67% | 1.68% | 1.74% | 1.55% | -25 bps | |
| Efficiency Ratio | 103.87% | 105.85% | 97.81% | 113.37% | 179.90% | +7,603 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.41% | 3.37% | 3.85% | 5.94% | 4.95% | +636 bps | |
| Loan Growth (YoY) | -13.07% | -14.80% | -10.36% | -8.24% | -12.31% | +76 bps | |
| Share Growth (YoY) | -1.27% | 3.90% | 4.58% | 6.74% | 5.94% | +721 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.28% | 1.49% | 0.18% | 0.13% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.40% | 0.28% | 0.46% | 1.18% | +90 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.98% | 10.43% | 10.38% | 10.13% | 8.52% | -245 bps | |
| Net Worth / Assets | 10.98% | 10.43% | 10.38% | 10.13% | 8.52% | -245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.42% | 16.74% | 17.13% | 16.62% | 16.08% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |