Brook Park, OH · Charter 68539
NCUA · 3 branches
Q2 2020
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.36% | 0.36% | 0.31% | 0.17% | -9 bps | |
| Return on Equity | 2.07% | 2.73% | 2.83% | 2.51% | 1.44% | -63 bps | |
| Net Interest Margin | 2.24% | 2.09% | 2.16% | 2.18% | 1.94% | -30 bps | |
| Efficiency Ratio | 86.63% | 84.07% | 84.15% | 86.36% | 91.50% | +487 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.17% | 2.01% | 9.83% | 8.51% | 12.83% | +1,166 bps | |
| Loan Growth (YoY) | -6.42% | -7.17% | 1.96% | -0.29% | 3.32% | +974 bps | |
| Share Growth (YoY) | -1.43% | -0.29% | 9.75% | 8.43% | 15.38% | +1,680 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.60% | 1.24% | 0.83% | 1.01% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.49% | 0.36% | 0.34% | 0.27% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.91% | 13.09% | 12.77% | 12.54% | 12.05% | -86 bps | |
| Net Worth / Assets | 12.91% | 13.09% | 12.77% | 12.54% | 12.05% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.87% | 30.96% | 31.09% | 29.66% | 27.64% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |