Cincinnati, OH · Charter 63307
NCUA · 5 branches
Q3 2021
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 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | -1.25% | -0.75% | -0.65% | -0.62% | -0.59% | -0.77% | -0.77% | -12 bps | |
| Return on Equity | -15.06% | -17.95% | -11.51% | -9.98% | -9.57% | -9.75% | -12.79% | -13.27% | -329 bps | |
| Net Interest Margin | 3.87% | 3.56% | 3.21% | 3.09% | 2.99% | 2.35% | 2.37% | 2.30% | -79 bps | |
| Efficiency Ratio | 92.28% | 93.92% | 92.91% | 94.79% | 98.04% | 112.91% | 107.45% | 106.22% | +1,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | -4.41% | 4.40% | 1.71% | -0.12% | 6.43% | -1.56% | 0.44% | -127 bps | |
| Loan Growth (YoY) | -13.75% | -14.86% | -14.38% | -15.89% | -14.44% | -12.30% | -9.41% | -7.34% | +854 bps | |
| Share Growth (YoY) | -2.84% | -3.46% | 4.00% | 2.73% | 0.55% | 7.62% | 0.80% | 1.46% | -127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 1.88% | 0.86% | 1.95% | 2.01% | 1.38% | 1.16% | 1.06% | -90 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 | 1.39% | 1.46% | 1.55% | 1.39% | 1.34% | 1.14% | 1.32% | 1.40% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.10% | 6.94% | 6.49% | 6.55% | 6.49% | 6.07% | 6.00% | 5.82% | -73 bps | |
| Net Worth / Assets | 7.10% | 6.94% | 6.49% | 6.55% | 6.49% | 6.07% | 6.00% | 5.82% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.09% | 81.46% | 75.97% | 72.15% | 71.56% | 66.38% | 68.27% | 65.89% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |