Cincinnati, OH · Charter 6207
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Cincinnati, OH · Charter 6207
NCUA · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.64% | -0.97% | 1.67% | 1.85% | 0.61% | -2.58% | -6.25% | -10.69% | -1,254 bps | |
| Return on Equity | -84.95% | -10.43% | 13.42% | 12.44% | 3.95% | -16.59% | -45.94% | -111.96% | -12,440 bps | |
| Net Interest Margin | 4.49% | 4.27% | 4.67% | 4.23% | 4.08% | 3.38% | 3.03% | 2.71% | -152 bps | |
| Efficiency Ratio | 88.77% | 122.69% | 64.35% | 52.95% | 85.10% | 176.51% | 307% | 494% | +44,154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.49% | -27.24% | -52.76% | -47.97% | -39.53% | -38.92% | -19.02% | -20.11% | +2,786 bps | |
| Loan Growth (YoY) | -44.28% | -49.38% | -52.14% | -47.26% | -47.48% | -51.78% | -51.35% | -50.69% | -344 bps | |
| Share Growth (YoY) | -19.07% | -23.72% | -52.79% | -53.25% | -43.82% | -43.15% | -20.13% | -17.76% | +3,549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.53% | 17.52% | 4.43% | 4.48% | 8.29% | 4.61% | 7.82% | 9.35% | +487 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 | 5.49% | 4.82% | 5.59% | 7.23% | 8.24% | 10.66% | 12.24% | 14.66% | +744 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 9.30% | 12.41% | 14.86% | 15.49% | 15.58% | 13.61% | 9.55% | -532 bps | |
| Net Worth / Assets | 9.00% | 9.30% | 12.41% | 14.86% | 15.49% | 15.58% | 13.61% | 9.55% | -532 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.78% | 33.77% | 41.24% | 36.20% | 35.32% | 28.65% | 25.12% | 21.71% | -1,450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |