Van Wert, OH · Charter 63633
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 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.
Van Wert, OH · Charter 63633
NCUA · 1 branch
Q2 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.71% | -3.40% | -1.12% | -1.14% | -1.08% | -1.13% | -0.57% | -0.27% | +88 bps | |
| Return on Equity | -7.20% | -8.36% | -3.08% | -3.13% | -2.89% | -2.84% | -1.49% | -0.71% | +242 bps | |
| Net Interest Margin | 5.19% | 5.57% | 4.17% | 3.70% | 3.88% | 4.32% | 4.33% | 4.66% | +96 bps | |
| Efficiency Ratio | 96.92% | 96.89% | 126.21% | 129.92% | 126.45% | 125.03% | 112.82% | 105.61% | -2,431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.50% | -8.83% | -7.14% | -0.21% | -4.11% | -4.01% | -2.80% | -6.10% | -589 bps | |
| Loan Growth (YoY) | -9.76% | -8.68% | -26.48% | -30.97% | -15.03% | -18.12% | -4.44% | -8.01% | +2,296 bps | |
| Share Growth (YoY) | -9.68% | -9.04% | -4.94% | 2.51% | -3.50% | -2.49% | -5.19% | -6.86% | -938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.23% | 4.12% | 0.00% | 4.93% | 3.43% | 0.00% | 0.00% | 0.00% | -493 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 | 4.52% | 4.32% | 5.61% | 6.58% | 5.75% | 6.08% | 6.77% | 7.15% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.64% | 40.68% | 36.39% | 36.43% | 37.36% | 39.92% | 37.99% | 37.11% | +68 bps | |
| Net Worth / Assets | 37.64% | 40.68% | 36.39% | 36.43% | 37.36% | 39.92% | 37.99% | 37.11% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.12% | 101.06% | 70.02% | 64.72% | 77.59% | 84.86% | 70.58% | 63.93% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |