Akron, OH · Charter 68611
NCUA · 13 branches
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.29% | 0.17% | 0.20% | 0.19% | -22 bps | |
| Return on Equity | 2.64% | 1.87% | 1.10% | 1.30% | 1.22% | -143 bps | |
| Net Interest Margin | 2.92% | 2.88% | 2.82% | 2.78% | 2.83% | -9 bps | |
| Efficiency Ratio | 86.88% | 89.49% | 89.85% | 89.24% | 88.86% | +198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.21% | 1.97% | 3.96% | 6.94% | 0.81% | -241 bps | |
| Loan Growth (YoY) | 2.19% | 0.36% | -2.93% | -3.94% | -5.89% | -807 bps | |
| Share Growth (YoY) | 6.22% | 5.01% | 4.95% | 8.57% | 2.58% | -364 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.37% | 0.39% | 0.44% | 0.47% | 0.52% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.74% | 15.56% | 15.53% | 15.42% | 15.81% | +7 bps | |
| Net Worth / Assets | 15.74% | 15.56% | 15.53% | 15.42% | 15.81% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |