Toledo, OH · Charter 63621
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.14% | -0.16% | -0.18% | -0.21% | -0.11% | -0.13% | -1.14% | -96 bps | |
| Return on Equity | -0.82% | -0.70% | -0.84% | -0.89% | -1.02% | -0.51% | -0.64% | -5.03% | -415 bps | |
| Net Interest Margin | 2.61% | 2.74% | 2.67% | 2.81% | 2.79% | 2.90% | 2.82% | 3.21% | +40 bps | |
| Efficiency Ratio | 102.77% | 102.81% | 102.86% | 103.20% | 101.09% | 99.37% | 101.93% | 126.72% | +2,353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | -1.12% | -0.02% | -4.68% | -5.59% | -5.24% | -5.96% | -13.02% | -835 bps | |
| Loan Growth (YoY) | -7.30% | -6.02% | -2.51% | 3.37% | 8.10% | -0.19% | -6.48% | -14.89% | -1,826 bps | |
| Share Growth (YoY) | 1.52% | -1.14% | 0.23% | -5.57% | -6.65% | -6.24% | -7.17% | -15.18% | -961 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.73% | 1.03% | 1.51% | 0.74% | 0.79% | 0.00% | 0.00% | -151 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 | 0.62% | 0.67% | 0.78% | 0.63% | 0.86% | 1.03% | 0.63% | 0.75% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.59% | 19.87% | 19.68% | 20.57% | 20.54% | 20.77% | 20.74% | 22.71% | +214 bps | |
| Net Worth / Assets | 19.59% | 19.87% | 19.68% | 20.57% | 20.54% | 20.77% | 20.74% | 22.71% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.60% | 35.61% | 35.68% | 38.90% | 40.07% | 37.90% | 35.94% | 39.03% | +13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |