Springfield, OH · Charter 62269
NCUA · 3 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Springfield, OH · Charter 62269
NCUA · 3 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.25% | -0.27% | -0.23% | -0.22% | -0.97% | -1.30% | -1.10% | -88 bps | |
| Return on Equity | -3.01% | -2.11% | -2.26% | -1.84% | -1.73% | -8.12% | -12.73% | -11.24% | -940 bps | |
| Net Interest Margin | 3.64% | 3.72% | 3.84% | 4.02% | 4.07% | 3.59% | 3.05% | 2.92% | -110 bps | |
| Efficiency Ratio | 106.20% | 104.58% | 104.85% | 103.86% | 103.59% | 118.42% | 129.10% | 125.41% | +2,155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | -2.39% | -2.95% | -10.38% | -8.28% | -5.10% | 8.60% | 15.38% | +2,576 bps | |
| Loan Growth (YoY) | 5.90% | 1.33% | -7.13% | -0.33% | 1.01% | -0.29% | -3.53% | -11.55% | -1,122 bps | |
| Share Growth (YoY) | 4.00% | -2.35% | -2.90% | -11.40% | -9.09% | -5.31% | 10.33% | 18.63% | +3,003 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 2.13% | 1.30% | 1.81% | 1.23% | 0.64% | 0.16% | 0.40% | -142 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 | 1.00% | 1.11% | 1.20% | 1.18% | 0.65% | 0.61% | 0.87% | 1.14% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.71% | 11.66% | 11.89% | 12.34% | 12.55% | 11.90% | 10.23% | 9.83% | -251 bps | |
| Net Worth / Assets | 11.71% | 11.66% | 11.89% | 12.34% | 12.55% | 11.90% | 10.23% | 9.83% | -251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.67% | 66.78% | 67.88% | 74.93% | 75.19% | 70.32% | 59.36% | 55.86% | -1,906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |