Akron, OH · Charter 63084
NCUA · 1 branch
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 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.
Akron, OH · Charter 63084
NCUA · 1 branch
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.61% | 0.44% | -0.14% | -0.90% | -1.20% | -1.45% | -1.48% | -135 bps | |
| Return on Equity | 4.38% | 6.18% | 4.41% | -1.43% | -9.38% | -14.02% | -17.10% | -18.27% | -1,684 bps | |
| Net Interest Margin | 3.73% | 3.73% | 3.63% | 3.77% | 3.06% | 2.86% | 2.58% | 2.64% | -113 bps | |
| Efficiency Ratio | 89.91% | 86.17% | 89.53% | 93.24% | 123.76% | 136.70% | 142.47% | 145.07% | +5,183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.47% | 0.22% | 3.27% | 4.64% | -0.94% | 2.24% | 0.74% | -0.56% | -520 bps | |
| Loan Growth (YoY) | -0.32% | 1.87% | -4.86% | -0.76% | -11.36% | -18.84% | -18.87% | -32.50% | -3,174 bps | |
| Share Growth (YoY) | -5.23% | -0.29% | 3.22% | 5.05% | -0.74% | 3.44% | 2.42% | 1.33% | -373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.16% | 2.43% | 2.47% | 0.35% | 0.37% | 0.74% | 1.50% | -97 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 | 1.09% | 1.07% | 1.12% | 2.45% | 0.55% | 0.69% | 1.05% | 1.22% | -124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.01% | 9.83% | 10.09% | 9.54% | 9.63% | 8.58% | 8.46% | 8.11% | -143 bps | |
| Net Worth / Assets | 10.01% | 9.83% | 10.09% | 9.54% | 9.63% | 8.58% | 8.46% | 8.11% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.45% | 35.52% | 34.70% | 35.41% | 32.55% | 27.87% | 27.49% | 23.59% | -1,182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |