Springfield, OH · Charter 61744
NCUA · 4 branches
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.40% | 0.65% | 0.61% | 0.56% | +15 bps | |
| Return on Equity | 2.36% | 2.39% | 4.00% | 3.76% | 3.40% | +104 bps | |
| Net Interest Margin | 2.49% | 2.46% | 2.71% | 2.73% | 2.79% | +30 bps | |
| Efficiency Ratio | 80.54% | 79.85% | 75.96% | 75.89% | 75.64% | -491 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.31% | 7.19% | 9.47% | 9.76% | 7.77% | +146 bps | |
| Loan Growth (YoY) | 44.06% | 32.90% | 30.49% | 30.05% | 29.34% | -1,472 bps | |
| Share Growth (YoY) | 1.39% | 1.01% | 2.50% | 2.80% | 2.95% | +156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.39% | 0.24% | 0.51% | 0.52% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.45% | 0.44% | 0.44% | 0.53% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.30% | 16.83% | 16.37% | 16.32% | 16.55% | -75 bps | |
| Net Worth / Assets | 17.30% | 16.83% | 16.37% | 16.32% | 16.55% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.21% | 71.77% | 76.97% | 82.95% | 85.70% | +1,749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |