Mentor, OH · Charter 62852
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 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.
Mentor, OH · Charter 62852
NCUA · 1 branch
Q1 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.29% | 1.62% | 1.40% | 0.50% | 0.35% | 0.24% | -1.07% | -246 bps | |
| Return on Equity | 10.35% | 8.41% | 10.50% | 9.03% | 3.14% | 2.31% | 1.65% | -7.08% | -1,611 bps | |
| Net Interest Margin | 3.47% | 3.59% | 3.58% | 3.55% | 3.23% | 3.62% | 3.55% | 2.83% | -72 bps | |
| Efficiency Ratio | 59.92% | 63.95% | 50.40% | 65.26% | 86.22% | 91.17% | 93.79% | 135.02% | +6,976 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.27% | -4.81% | 2.40% | 3.56% | 2.88% | 6.40% | 8.93% | 0.57% | -299 bps | |
| Loan Growth (YoY) | -10.12% | -3.92% | 9.37% | 5.81% | 9.35% | 17.05% | 5.44% | -0.50% | -631 bps | |
| Share Growth (YoY) | 8.37% | -7.23% | 0.89% | 1.68% | 1.19% | 7.05% | 8.97% | 1.74% | +7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.61% | 3.34% | 3.76% | 3.54% | 8.46% | 3.12% | 2.17% | 4.18% | +64 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 | 1.68% | 1.63% | 2.45% | 2.50% | 2.43% | 2.21% | 2.01% | 1.67% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.17% | 15.38% | 15.41% | 15.50% | 15.87% | 15.07% | 14.39% | 15.05% | -45 bps | |
| Net Worth / Assets | 15.17% | 15.38% | 15.41% | 15.50% | 15.87% | 15.07% | 14.39% | 15.05% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.49% | 71.49% | 73.52% | 71.04% | 76.18% | 78.17% | 71.14% | 69.47% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |