Avon Lake, OH · Charter 61428
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
Avon Lake, OH · Charter 61428
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -2.23% | -1.47% | -0.96% | -0.71% | -0.76% | -0.63% | -1.79% | -83 bps | |
| Return on Equity | -0.83% | -26.37% | -18.11% | -11.58% | -8.89% | -9.60% | -7.83% | -24.27% | -1,269 bps | |
| Net Interest Margin | 3.05% | 2.92% | 2.83% | 2.86% | 2.70% | 2.44% | 2.57% | 2.67% | -19 bps | |
| Efficiency Ratio | 91.71% | 95.48% | 104.74% | 102.42% | 102.20% | 121.58% | 117.01% | 133.05% | +3,063 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 1.19% | 4.10% | 3.21% | 7.24% | 1.97% | -2.52% | -5.13% | -834 bps | |
| Loan Growth (YoY) | 5.30% | -0.73% | -1.16% | -9.33% | -11.37% | -17.38% | -19.19% | -21.79% | -1,246 bps | |
| Share Growth (YoY) | -1.39% | 2.00% | 5.37% | 4.33% | 8.93% | 2.50% | -2.54% | -5.04% | -937 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 2.76% | 2.39% | 1.58% | 2.34% | 1.07% | 1.32% | 1.83% | +25 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 | 0.68% | 2.06% | 1.51% | 1.31% | 1.40% | 1.55% | 1.70% | 2.78% | +147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.47% | 8.47% | 8.09% | 8.32% | 7.98% | 7.89% | 7.99% | 7.40% | -93 bps | |
| Net Worth / Assets | 9.47% | 8.47% | 8.09% | 8.32% | 7.98% | 7.89% | 7.99% | 7.40% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.54% | 49.09% | 46.24% | 45.45% | 42.75% | 39.56% | 38.33% | 37.43% | -802 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |