Coldwater, OH · Charter 61466
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 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.
Coldwater, OH · Charter 61466
NCUA · 1 branch
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.34% | 0.32% | 0.29% | 0.05% | -16 bps | |
| Return on Equity | 1.85% | 2.91% | 2.82% | 2.67% | 0.45% | -139 bps | |
| Net Interest Margin | 2.32% | 2.36% | 2.28% | 2.18% | 2.26% | -7 bps | |
| Efficiency Ratio | 91.42% | 87.75% | 87.67% | 87.07% | 94.61% | +320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.31% | 1.68% | 6.44% | 9.08% | 10.83% | +952 bps | |
| Loan Growth (YoY) | 1.25% | 5.88% | 13.24% | 11.51% | 11.51% | +1,026 bps | |
| Share Growth (YoY) | 0.31% | 1.72% | 7.37% | 10.26% | 13.14% | +1,283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.28% | 0.55% | 0.26% | 0.16% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.25% | 0.24% | 0.22% | 0.22% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 11.78% | 11.30% | 10.75% | 10.62% | -88 bps | |
| Net Worth / Assets | 11.49% | 11.78% | 11.30% | 10.75% | 10.62% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.93% | 43.59% | 43.69% | 43.10% | 42.31% | -62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |