Dayton, OH · Charter 61520
NCUA · 2 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.47% | -2.65% | -1.85% | -2.27% | -2.15% | -3.41% | -2.50% | -9.05% | -678 bps | |
| Return on Equity | -13.60% | -14.53% | -10.88% | -13.79% | -14.55% | -23.13% | -16.84% | -81.60% | -6,781 bps | |
| Net Interest Margin | 2.81% | 2.92% | 2.97% | 2.76% | 2.58% | 2.78% | 2.58% | 0.40% | -236 bps | |
| Efficiency Ratio | 186.37% | 188.90% | 157.34% | 175.30% | 176.56% | 183.50% | 172.64% | 1355% | +117,936 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | -1.27% | 0.81% | 0.01% | 6.93% | 0.90% | -7.63% | -7.98% | -799 bps | |
| Loan Growth (YoY) | -10.52% | -7.54% | -14.24% | -1.75% | -5.45% | -14.58% | -16.56% | -24.03% | -2,228 bps | |
| Share Growth (YoY) | 3.25% | 1.69% | 4.24% | 3.14% | 11.49% | 5.26% | -5.02% | -2.94% | -608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.83% | 2.55% | 2.85% | 2.31% | 3.64% | 3.06% | 6.12% | 2.76% | +45 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 | 2.64% | 2.23% | 2.42% | 2.35% | 1.60% | 1.66% | 2.22% | 2.76% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.19% | 18.22% | 17.03% | 16.45% | 14.76% | 14.76% | 14.85% | 11.09% | -536 bps | |
| Net Worth / Assets | 18.19% | 18.22% | 17.03% | 16.45% | 14.76% | 14.76% | 14.85% | 11.09% | -536 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.88% | 53.98% | 47.18% | 48.80% | 41.45% | 43.81% | 41.45% | 38.20% | -1,060 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |