Belpre, OH · Charter 62413
NCUA · 2 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.11% | -0.08% | 0.13% | 0.07% | 0.15% | 0.17% | 0.50% | +37 bps | |
| Return on Equity | -0.79% | -0.69% | -0.52% | 0.91% | 0.48% | 1.03% | 1.17% | 3.56% | +265 bps | |
| Net Interest Margin | 1.83% | 1.83% | 1.89% | 1.94% | 2.10% | 2.20% | 2.25% | 2.45% | +51 bps | |
| Efficiency Ratio | 99.27% | 98.83% | 98.20% | 94.71% | 93.20% | 90.09% | 89.79% | 86.52% | -819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.95% | 13.41% | 14.04% | 17.71% | 7.75% | 4.34% | 8.63% | 5.74% | -1,197 bps | |
| Loan Growth (YoY) | 19.15% | 16.59% | 19.78% | 27.81% | 24.59% | 26.81% | 25.76% | 26.25% | -155 bps | |
| Share Growth (YoY) | -1.07% | 4.25% | 5.06% | 8.43% | 8.95% | 4.28% | 9.67% | 6.92% | -151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.36% | 0.36% | 0.26% | 0.82% | 0.24% | 0.19% | 0.25% | -1 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 | 0.81% | 0.73% | 0.73% | 0.66% | 0.66% | 0.66% | 0.66% | 0.67% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.70% | 15.15% | 15.45% | 14.61% | 14.58% | 14.64% | 14.39% | 14.08% | -54 bps | |
| Net Worth / Assets | 15.70% | 15.15% | 15.45% | 14.61% | 14.58% | 14.64% | 14.39% | 14.08% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.63% | 44.06% | 47.90% | 47.97% | 51.04% | 53.58% | 54.92% | 56.64% | +867 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |