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
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.15% | -0.32% | -0.12% | -0.25% | -0.56% | -1.07% | -0.91% | -79 bps | |
| Return on Equity | 0.90% | 1.83% | -4.15% | -1.67% | -3.26% | -7.21% | -14.89% | -12.67% | -1,100 bps | |
| Net Interest Margin | 2.96% | 3.04% | 2.89% | 2.52% | 2.74% | 2.84% | 2.89% | 3.03% | +51 bps | |
| Efficiency Ratio | 103.39% | 100.29% | 101.23% | 101.20% | 96.39% | 96.71% | 101.49% | 126.05% | +2,485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 2.27% | 10.61% | 1.21% | -2.67% | -2.91% | -7.29% | -13.61% | -1,482 bps | |
| Loan Growth (YoY) | 1.15% | -7.11% | -7.16% | -5.11% | -5.72% | -6.13% | -7.68% | -7.13% | -202 bps | |
| Share Growth (YoY) | 3.69% | 2.42% | 11.91% | 1.58% | -2.40% | -2.18% | -6.62% | -13.44% | -1,502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.53% | 1.58% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.15% | 0.41% | 0.30% | 0.45% | 1.08% | 0.82% | 0.81% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.02% | 8.34% | 7.64% | 7.33% | 7.75% | 7.72% | 7.17% | 7.19% | -14 bps | |
| Net Worth / Assets | 8.02% | 8.34% | 7.64% | 7.33% | 7.75% | 7.72% | 7.17% | 7.19% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.05% | 63.80% | 59.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |