Vandalia, OH · Charter 66827
NCUA · 2 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.35% | 0.37% | 0.61% | 0.43% | 0.38% | 0.26% | 0.58% | -3 bps | |
| Return on Equity | 4.97% | 4.29% | 4.46% | 7.50% | 5.35% | 4.65% | 3.25% | 7.20% | -31 bps | |
| Net Interest Margin | 2.67% | 2.70% | 2.72% | 2.61% | 2.55% | 2.63% | 2.66% | 2.71% | +10 bps | |
| Efficiency Ratio | 82.01% | 82.01% | 82.41% | 79.84% | 84.31% | 84.37% | 87.02% | 86.54% | +671 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 4.30% | 4.83% | 5.18% | 6.40% | 4.68% | 4.34% | 2.03% | -315 bps | |
| Loan Growth (YoY) | 3.62% | 10.39% | 14.18% | 13.07% | 5.63% | 1.85% | 2.64% | -0.19% | -1,326 bps | |
| Share Growth (YoY) | 4.09% | 4.28% | 4.71% | 5.34% | 6.87% | 5.06% | 4.74% | 1.87% | -348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.48% | 0.40% | 0.38% | 0.43% | 0.53% | 0.30% | 0.29% | -9 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 | 0.82% | 0.83% | 0.81% | 0.78% | 0.71% | 0.68% | 0.65% | 0.57% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.08% | 8.12% | 8.20% | 8.08% | 7.96% | 8.14% | 8.13% | 8.03% | -5 bps | |
| Net Worth / Assets | 8.08% | 8.12% | 8.20% | 8.08% | 7.96% | 8.14% | 8.13% | 8.03% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.46% | 82.83% | 82.38% | 79.11% | 77.55% | 80.30% | 80.73% | 77.51% | -160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |