Van Wert, OH · Charter 63633
NCUA · 1 branch
Q2 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | -1.08% | -1.13% | -0.57% | -0.27% | +88 bps | |
| Return on Equity | -3.13% | -2.89% | -2.84% | -1.49% | -0.71% | +242 bps | |
| Net Interest Margin | 3.70% | 3.88% | 4.32% | 4.33% | 4.66% | +96 bps | |
| Efficiency Ratio | 129.92% | 126.45% | 125.03% | 112.82% | 105.61% | -2,431 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | -4.11% | -4.01% | -2.80% | -6.10% | -589 bps | |
| Loan Growth (YoY) | -30.97% | -15.03% | -18.12% | -4.44% | -8.01% | +2,296 bps | |
| Share Growth (YoY) | 2.51% | -3.50% | -2.49% | -5.19% | -6.86% | -938 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 6.58% | 5.75% | 6.08% | 6.77% | 7.15% | +57 bps | |
| Capital | |||||||
| Risk-Based Capital | 36.43% | 37.36% | 39.92% | 37.99% | 37.11% | +68 bps | |
| Net Worth / Assets | 36.43% | 37.36% | 39.92% | 37.99% | 37.11% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |