PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East Central Ohio Food Dealers Assc

North Canton, OH · Charter 66280

Q4 2014

$1.1MAssets
$649KLoans
$1.0MShares
$68KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.27%, down 44 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.81% of loans (+4 bps YoY).
  • Capital: net worth / assets of 6.32%, down 143 bps from a year ago.
  • Funding: loans stand at 64.90% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.27%-44 bps YoY

Net Interest Margin (YTD, annualized)

5.16%-8 bps YoY

Efficiency Ratio (YTD, annualized)

118.90%+1,370 bps YoY

Net Worth / Assets

6.32%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.83%-0.03%-0.22%-0.03%-1.27%-44 bps
Return on Equity-10.77%-0.42%-3.47%-0.35%-20.09%-932 bps
Net Interest Margin5.23%4.75%4.40%5.37%5.16%-8 bps
Efficiency Ratio105.20%94.61%98.60%95.89%118.90%+1,370 bps
Growth
Asset Growth (YoY)-2.25%0.44%-0.10%-16.97%2.11%+436 bps
Loan Growth (YoY)-2.05%6.38%8.42%30.65%8.31%+1,036 bps
Share Growth (YoY)-1.56%1.03%0.24%-18.00%3.82%+538 bps
Asset Quality
Delinquent Loans / Loans0.76%0.89%0.75%0.85%0.81%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.86%1.49%1.53%1.31%0.75%-111 bps
Capital
Risk-Based Capital7.75%7.03%6.49%7.77%6.32%-143 bps
Net Worth / Assets7.75%7.03%6.49%7.77%6.32%-143 bps
Liquidity & Funding
Loans / Shares62.20%57.39%54.42%74.24%64.90%+269 bps
Liquid Assets / Assets0.00%0.00%92.97%0.00%0.00%0 bps