Kent, OH · Charter 67199
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.61% | 0.29% | 0.27% | 0.39% | -10 bps | |
| Return on Equity | 9.12% | 10.66% | 5.19% | 4.74% | 6.53% | -259 bps | |
| Net Interest Margin | 3.94% | 3.96% | 3.75% | 3.69% | 3.81% | -13 bps | |
| Efficiency Ratio | 86.16% | 84.32% | 85.47% | 86.59% | 84.86% | -129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | -0.56% | -1.49% | -1.07% | -0.84% | -122 bps | |
| Loan Growth (YoY) | -0.87% | -2.44% | -2.12% | -4.94% | -9.98% | -912 bps | |
| Share Growth (YoY) | 0.22% | -1.46% | -2.02% | -1.59% | -1.44% | -165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.69% | 0.73% | 0.99% | 0.54% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.51% | 0.58% | 0.63% | 0.67% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.45% | 5.70% | 5.60% | 5.63% | 6.03% | +58 bps | |
| Net Worth / Assets | 5.45% | 5.70% | 5.60% | 5.63% | 6.03% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.70% | 67.81% | 64.63% | 62.89% | 61.83% | -587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |