Columbus, OH · Charter 61452
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.
Columbus, OH · Charter 61452
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 | -0.12% | -0.25% | -0.56% | -1.07% | -0.91% | -79 bps | |
| Return on Equity | -1.67% | -3.26% | -7.21% | -14.89% | -12.67% | -1,100 bps | |
| Net Interest Margin | 2.52% | 2.74% | 2.84% | 2.89% | 3.03% | +51 bps | |
| Efficiency Ratio | 101.20% | 96.39% | 96.71% | 101.49% | 126.05% | +2,485 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | -2.67% | -2.91% | -7.29% | -13.61% | -1,482 bps | |
| Loan Growth (YoY) | -5.11% | -5.72% | -6.13% | -7.68% | -7.13% | -202 bps | |
| Share Growth (YoY) | 1.58% | -2.40% | -2.18% | -6.62% | -13.44% | -1,502 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.19% | 0.52% | 0.66% | 0.54% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.45% | 1.08% | 0.82% | 0.81% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.33% | 7.75% | 7.72% | 7.17% | 7.19% | -14 bps | |
| Net Worth / Assets | 7.33% | 7.75% | 7.72% | 7.17% | 7.19% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.14% | 58.98% | 61.23% | 58.38% | 60.23% | +409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |