Springfield, OH · Charter 62269
NCUA · 3 branches
Q3 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.23% | -0.22% | -0.97% | -1.30% | -1.10% | -88 bps | |
| Return on Equity | -1.84% | -1.73% | -8.12% | -12.73% | -11.24% | -940 bps | |
| Net Interest Margin | 4.02% | 4.07% | 3.59% | 3.05% | 2.92% | -110 bps | |
| Efficiency Ratio | 103.86% | 103.59% | 118.42% | 129.10% | 125.41% | +2,155 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.38% | -8.28% | -5.10% | 8.60% | 15.38% | +2,576 bps | |
| Loan Growth (YoY) | -0.33% | 1.01% | -0.29% | -3.53% | -11.55% | -1,122 bps | |
| Share Growth (YoY) | -11.40% | -9.09% | -5.31% | 10.33% | 18.63% | +3,003 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.18% | 0.65% | 0.61% | 0.87% | 1.14% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.34% | 12.55% | 11.90% | 10.23% | 9.83% | -251 bps | |
| Net Worth / Assets | 12.34% | 12.55% | 11.90% | 10.23% | 9.83% | -251 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |