Akron, OH · Charter 63084
NCUA · 1 branch
Q4 2020
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.90% | -1.20% | -1.45% | -1.48% | -135 bps | |
| Return on Equity | -1.43% | -9.38% | -14.02% | -17.10% | -18.27% | -1,684 bps | |
| Net Interest Margin | 3.77% | 3.06% | 2.86% | 2.58% | 2.64% | -113 bps | |
| Efficiency Ratio | 93.24% | 123.76% | 136.70% | 142.47% | 145.07% | +5,183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.64% | -0.94% | 2.24% | 0.74% | -0.56% | -520 bps | |
| Loan Growth (YoY) | -0.76% | -11.36% | -18.84% | -18.87% | -32.50% | -3,174 bps | |
| Share Growth (YoY) | 5.05% | -0.74% | 3.44% | 2.42% | 1.33% | -373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.45% | 0.55% | 0.69% | 1.05% | 1.22% | -124 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.54% | 9.63% | 8.58% | 8.46% | 8.11% | -143 bps | |
| Net Worth / Assets | 9.54% | 9.63% | 8.58% | 8.46% | 8.11% | -143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |