Miamisburg, OH · Charter 68475
NCUA · 8 branches
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.40% | 0.44% | 0.42% | 0.45% | 0.37% | 0.37% | 0.43% | +1 bps | |
| Return on Equity | 2.31% | 4.39% | 4.73% | 4.54% | 4.78% | 3.93% | 3.94% | 4.55% | +1 bps | |
| Net Interest Margin | 2.69% | 2.73% | 2.76% | 2.79% | 2.83% | 2.91% | 2.91% | 2.98% | +19 bps | |
| Efficiency Ratio | 88.55% | 81.55% | 81.93% | 82.17% | 81.52% | 82.69% | 82.72% | 81.83% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 1.66% | 2.67% | 1.28% | 1.44% | 3.11% | 3.66% | 2.75% | +147 bps | |
| Loan Growth (YoY) | 11.75% | 9.47% | 7.67% | 3.22% | 0.10% | -0.61% | -1.23% | -0.13% | -335 bps | |
| Share Growth (YoY) | 3.03% | 1.08% | 2.26% | 0.92% | 1.14% | 2.83% | 3.46% | -2.96% | -388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.29% | 0.42% | 0.45% | 0.40% | 0.37% | 0.36% | 0.45% | 0 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 | 0.57% | 0.57% | 0.55% | 0.56% | 0.55% | 0.57% | 0.58% | 0.56% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.16% | 9.22% | 9.31% | 9.44% | 9.32% | 9.31% | 9.51% | +21 bps | |
| Net Worth / Assets | 9.12% | 9.16% | 9.22% | 9.31% | 9.44% | 9.32% | 9.31% | 9.51% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.54% | 93.06% | 93.37% | 93.94% | 93.57% | 89.95% | 89.14% | 96.67% | +273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |