Brooklyn, OH · Charter 6246
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.64% | -0.98% | -2.14% | -4.07% | -6.82% | -6.49% | -1.50% | +64 bps | |
| Return on Equity | -3.48% | -5.45% | -8.51% | -19.98% | -43.66% | -100.52% | -103.44% | -25.51% | -553 bps | |
| Net Interest Margin | 2.90% | 3.01% | 3.00% | 3.15% | 3.14% | 3.41% | 3.44% | 2.97% | -18 bps | |
| Efficiency Ratio | 97.51% | 101.07% | 109.54% | 118.30% | 129.76% | 115.00% | 114.44% | 84.85% | -3,345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -6.91% | -4.66% | -1.95% | -4.00% | -4.95% | -9.33% | -11.64% | -969 bps | |
| Loan Growth (YoY) | -7.21% | -3.44% | 1.59% | 9.77% | 11.90% | 1.46% | -4.72% | -13.02% | -2,279 bps | |
| Share Growth (YoY) | -5.54% | -7.45% | -4.50% | -0.92% | -2.18% | 0.44% | -3.75% | -6.87% | -595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.63% | 5.42% | 6.70% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.39% | 1.34% | 1.43% | 3.07% | 8.16% | 9.92% | 10.60% | +916 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 11.79% | 11.57% | 10.70% | 9.33% | 6.78% | 6.28% | 5.88% | -482 bps | |
| Net Worth / Assets | 11.64% | 11.79% | 11.57% | 10.70% | 9.33% | 6.78% | 6.28% | 5.88% | -482 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.66% | 46.68% | 49.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |