Walbridge, OH · Charter 61382
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.39% | -0.68% | -1.71% | -1.35% | -2.10% | -2.15% | -0.71% | +100 bps | |
| Return on Equity | -2.50% | -4.93% | -8.78% | -25.24% | -20.21% | -34.79% | -38.85% | -13.91% | +1,133 bps | |
| Net Interest Margin | 6.69% | 6.43% | 6.48% | 5.67% | 5.68% | 5.97% | 5.96% | 5.45% | -22 bps | |
| Efficiency Ratio | 99.49% | 102.21% | 103.51% | 110.95% | 111.57% | 111.76% | 113.19% | 109.36% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.96% | -4.72% | -5.20% | 5.19% | 5.25% | -1.08% | 0.60% | -0.49% | -568 bps | |
| Loan Growth (YoY) | 1.94% | -4.73% | -6.24% | -7.72% | -6.59% | -6.38% | -7.68% | -8.76% | -104 bps | |
| Share Growth (YoY) | -9.79% | -4.76% | -4.95% | 6.96% | 7.20% | 1.00% | 2.85% | 1.20% | -576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.16% | 3.85% | 5.45% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.28% | 1.44% | 1.40% | 1.44% | 1.95% | 2.19% | 1.75% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.29% | 7.89% | 7.73% | 6.79% | 6.66% | 6.03% | 5.53% | 5.12% | -167 bps | |
| Net Worth / Assets | 8.29% | 7.89% | 7.73% | 6.79% | 6.66% | 6.03% | 5.53% | 5.12% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.96% | 69.15% | 69.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |