Toledo, OH · Charter 68243
NCUA · 2 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -1.47% | -1.46% | -1.22% | -1.61% | -1.20% | -1.47% | -1.73% | -52 bps | |
| Return on Equity | -6.76% | -18.78% | -18.84% | -15.83% | -21.19% | -14.65% | -18.34% | -21.90% | -607 bps | |
| Net Interest Margin | 3.08% | 3.16% | 3.35% | 3.38% | 3.33% | 3.59% | 3.66% | 3.75% | +36 bps | |
| Efficiency Ratio | 107.60% | 112.17% | 110.20% | 112.09% | 113.22% | 113.32% | 112.82% | 114.70% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.37% | 7.42% | 0.65% | 2.56% | -5.28% | -16.19% | -16.35% | -20.34% | -2,290 bps | |
| Loan Growth (YoY) | 26.50% | 33.30% | 36.52% | 25.10% | 3.28% | -12.63% | -23.97% | -26.84% | -5,194 bps | |
| Share Growth (YoY) | 7.74% | 2.37% | -1.30% | -3.85% | -4.09% | -9.89% | -9.27% | -13.78% | -992 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 0.46% | 1.07% | 1.16% | 1.32% | 1.60% | 1.01% | 2.78% | +162 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 | 0.85% | 1.07% | 1.17% | 0.89% | 1.09% | 1.02% | 1.08% | 1.27% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.65% | 7.81% | 7.76% | 7.68% | 7.61% | 8.20% | 8.04% | 7.91% | +23 bps | |
| Net Worth / Assets | 8.65% | 7.81% | 7.76% | 7.68% | 7.61% | 8.20% | 8.04% | 7.91% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.01% | 67.28% | 72.92% | 70.90% | 63.54% | 65.23% | 61.11% | 60.15% | -1,074 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |