Walbridge, OH · Charter 61382
NCUA · 1 branch
Q1 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | -1.35% | -2.10% | -2.15% | -0.71% | +100 bps | |
| Return on Equity | -25.24% | -20.21% | -34.79% | -38.85% | -13.91% | +1,133 bps | |
| Net Interest Margin | 5.67% | 5.68% | 5.97% | 5.96% | 5.45% | -22 bps | |
| Efficiency Ratio | 110.95% | 111.57% | 111.76% | 113.19% | 109.36% | -159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.19% | 5.25% | -1.08% | 0.60% | -0.49% | -568 bps | |
| Loan Growth (YoY) | -7.72% | -6.59% | -6.38% | -7.68% | -8.76% | -104 bps | |
| Share Growth (YoY) | 6.96% | 7.20% | 1.00% | 2.85% | 1.20% | -576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.65% | 5.75% | 5.52% | 4.99% | 4.09% | -56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.44% | 1.95% | 2.19% | 1.75% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.79% | 6.66% | 6.03% | 5.53% | 5.12% | -167 bps | |
| Net Worth / Assets | 6.79% | 6.66% | 6.03% | 5.53% | 5.12% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.57% | 61.83% | 64.10% | 62.51% | 55.52% | -606 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |