Elyria, OH · Charter 63053
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | 0.44% | 0.68% | 0.65% | 0.90% | +152 bps | |
| Return on Equity | -4.34% | 2.98% | 4.56% | 4.19% | 4.87% | +921 bps | |
| Net Interest Margin | 4.64% | 4.07% | 3.90% | 4.00% | 4.56% | -8 bps | |
| Efficiency Ratio | 113.27% | 89.45% | 83.06% | 84.33% | 81.41% | -3,186 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.77% | -8.26% | -8.05% | -6.69% | -17.49% | -1,271 bps | |
| Loan Growth (YoY) | -11.82% | -13.87% | -7.01% | -17.93% | -14.59% | -277 bps | |
| Share Growth (YoY) | -4.80% | -8.95% | -9.31% | -7.90% | -21.22% | -1,642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.79% | 0.84% | 0.91% | 0.93% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.42% | 14.73% | 14.89% | 15.53% | 18.37% | +395 bps | |
| Net Worth / Assets | 14.42% | 14.73% | 14.89% | 15.53% | 18.37% | +395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.12% | 61.39% | 57.76% | 55.44% | 65.18% | +506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |