Rittman, OH · Charter 61827
NCUA · 1 branch
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.13% | 0.13% | -0.21% | 0.19% | -0.09% | 0.02% | -0.38% | -17 bps | |
| Return on Equity | -1.64% | -0.71% | 0.68% | -1.14% | 1.03% | -0.49% | 0.08% | -2.09% | -95 bps | |
| Net Interest Margin | 2.86% | 2.91% | 2.98% | 3.05% | 3.40% | 3.35% | 3.22% | 3.22% | +17 bps | |
| Efficiency Ratio | 108.69% | 103.75% | 96.60% | 99.56% | 95.08% | 87.87% | 89.03% | 95.82% | -373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | -4.16% | -3.77% | -4.64% | -5.03% | -2.41% | 0.25% | -0.84% | +379 bps | |
| Loan Growth (YoY) | -0.49% | -1.15% | -0.42% | -1.94% | -1.79% | -1.49% | -10.01% | -9.49% | -755 bps | |
| Share Growth (YoY) | 2.40% | -5.01% | -4.65% | -5.38% | -6.03% | -2.69% | 0.75% | -0.49% | +490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.90% | 2.04% | 1.72% | 1.59% | 1.28% | 1.11% | 1.64% | 2.02% | +43 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 | 0.68% | 0.62% | 0.45% | 0.49% | 0.49% | 0.37% | 0.07% | 0.41% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.88% | 18.57% | 18.64% | 18.51% | 18.74% | 18.83% | 18.30% | 18.28% | -22 bps | |
| Net Worth / Assets | 17.88% | 18.57% | 18.64% | 18.51% | 18.74% | 18.83% | 18.30% | 18.28% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.23% | 57.30% | 60.09% | 57.77% | 57.72% | 58.01% | 53.67% | 52.54% | -523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |