Cincinnati, OH · Charter 68481
NCUA · 2 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.03% | 0.06% | 0.09% | 0.08% | 0.12% | 0.21% | -0.18% | -27 bps | |
| Return on Equity | -0.33% | 0.37% | 0.84% | 1.21% | 1.04% | 1.63% | 2.77% | -2.38% | -358 bps | |
| Net Interest Margin | 2.72% | 2.72% | 2.85% | 2.82% | 2.79% | 2.65% | 2.63% | 2.64% | -18 bps | |
| Efficiency Ratio | 98.70% | 96.84% | 93.60% | 93.91% | 93.29% | 95.66% | 91.87% | 102.18% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.37% | -2.00% | -1.58% | -0.83% | -1.47% | 0.41% | 1.17% | 0.30% | +113 bps | |
| Loan Growth (YoY) | 3.46% | 2.05% | -0.69% | -2.20% | -1.97% | -2.65% | -6.16% | -7.40% | -520 bps | |
| Share Growth (YoY) | -2.38% | -1.96% | -2.63% | -1.73% | -2.51% | -0.58% | 1.46% | 0.87% | +261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.71% | 0.75% | 0.67% | 0.95% | 0.61% | 0.11% | 0.52% | -15 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 | 0.39% | 0.39% | 0.38% | 0.39% | 0.41% | 0.37% | 0.37% | 0.40% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.54% | 7.44% | 7.68% | 7.70% | 7.73% | 7.51% | 7.75% | 7.56% | -15 bps | |
| Net Worth / Assets | 7.54% | 7.44% | 7.68% | 7.70% | 7.73% | 7.51% | 7.75% | 7.56% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.18% | 65.05% | 67.80% | 67.29% | 67.55% | 63.70% | 62.71% | 61.77% | -552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.24% | +9,924 bps | |