Akron, OH · Charter 68611
NCUA · 13 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Akron, OH · Charter 68611
NCUA · 13 branches
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.60% | 0.55% | 0.42% | 0.29% | 0.17% | 0.20% | 0.19% | -22 bps | |
| Return on Equity | 3.19% | 3.76% | 3.35% | 2.64% | 1.87% | 1.10% | 1.30% | 1.22% | -143 bps | |
| Net Interest Margin | 2.88% | 2.94% | 3.02% | 2.92% | 2.88% | 2.82% | 2.78% | 2.83% | -9 bps | |
| Efficiency Ratio | 86.90% | 85.64% | 85.31% | 86.88% | 89.49% | 89.85% | 89.24% | 88.86% | +198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.38% | 8.27% | 5.42% | 3.21% | 1.97% | 3.96% | 6.94% | 0.81% | -241 bps | |
| Loan Growth (YoY) | 11.87% | 7.73% | 4.02% | 2.19% | 0.36% | -2.93% | -3.94% | -5.89% | -807 bps | |
| Share Growth (YoY) | 7.28% | 7.55% | 7.08% | 6.22% | 5.01% | 4.95% | 8.57% | 2.58% | -364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.57% | 0.83% | 0.74% | 0.72% | 1.00% | 0.86% | 0.77% | +2 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 | 0.36% | 0.32% | 0.35% | 0.37% | 0.39% | 0.44% | 0.47% | 0.52% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.50% | 15.93% | 16.31% | 15.74% | 15.56% | 15.53% | 15.42% | 15.81% | +7 bps | |
| Net Worth / Assets | 15.50% | 15.93% | 16.31% | 15.74% | 15.56% | 15.53% | 15.42% | 15.81% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.84% | 91.85% | 94.79% | 90.89% | 86.82% | 84.96% | 83.87% | 83.39% | -751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |