Brooklyn, OH · Charter 6246
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Brooklyn, OH · Charter 6246
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.14% | -4.07% | -6.82% | -6.49% | -1.50% | +64 bps | |
| Return on Equity | -19.98% | -43.66% | -100.52% | -103.44% | -25.51% | -553 bps | |
| Net Interest Margin | 3.15% | 3.14% | 3.41% | 3.44% | 2.97% | -18 bps | |
| Efficiency Ratio | 118.30% | 129.76% | 115.00% | 114.44% | 84.85% | -3,345 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.95% | -4.00% | -4.95% | -9.33% | -11.64% | -969 bps | |
| Loan Growth (YoY) | 9.77% | 11.90% | 1.46% | -4.72% | -13.02% | -2,279 bps | |
| Share Growth (YoY) | -0.92% | -2.18% | 0.44% | -3.75% | -6.87% | -595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.41% | 3.35% | 1.62% | 5.32% | 2.78% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 3.07% | 8.16% | 9.92% | 10.60% | +916 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.70% | 9.33% | 6.78% | 6.28% | 5.88% | -482 bps | |
| Net Worth / Assets | 10.70% | 9.33% | 6.78% | 6.28% | 5.88% | -482 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.60% | 48.80% | 47.16% | 48.60% | 46.33% | -327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |