Brook Park, OH · Charter 68539
NCUA · 3 branches
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.33% | 0.33% | 0.27% | 0.36% | 0.36% | 0.31% | 0.17% | -9 bps | |
| Return on Equity | 2.62% | 2.50% | 2.56% | 2.07% | 2.73% | 2.83% | 2.51% | 1.44% | -63 bps | |
| Net Interest Margin | 2.20% | 2.27% | 2.19% | 2.24% | 2.09% | 2.16% | 2.18% | 1.94% | -30 bps | |
| Efficiency Ratio | 86.43% | 86.82% | 87.27% | 86.63% | 84.07% | 84.15% | 86.36% | 91.50% | +487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -0.84% | 0.32% | 1.17% | 2.01% | 9.83% | 8.51% | 12.83% | +1,166 bps | |
| Loan Growth (YoY) | -0.79% | -1.37% | -0.84% | -6.42% | -7.17% | 1.96% | -0.29% | 3.32% | +974 bps | |
| Share Growth (YoY) | -0.66% | -0.95% | -1.63% | -1.43% | -0.29% | 9.75% | 8.43% | 15.38% | +1,680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.14% | 1.05% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.36% | 0.26% | 0.44% | 0.49% | 0.36% | 0.34% | 0.27% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.00% | 13.27% | 12.94% | 12.91% | 13.09% | 12.77% | 12.54% | 12.05% | -86 bps | |
| Net Worth / Assets | 13.00% | 13.27% | 12.94% | 12.91% | 13.09% | 12.77% | 12.54% | 12.05% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.25% | 33.47% | 32.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |