Columbus, OH · Charter 7393
NCUA · 5 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Columbus, OH · Charter 7393
NCUA · 5 branches
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.45% | 0.43% | 0.38% | 0.16% | 0.02% | 0.09% | 0.11% | -27 bps | |
| Return on Equity | 3.62% | 3.93% | 3.71% | 3.35% | 1.41% | 0.18% | 0.86% | 1.04% | -232 bps | |
| Net Interest Margin | 2.25% | 2.24% | 2.25% | 2.19% | 2.00% | 1.89% | 1.91% | 1.88% | -31 bps | |
| Efficiency Ratio | 82.26% | 82.00% | 82.07% | 83.64% | 89.90% | 93.39% | 89.77% | 89.00% | +535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.94% | 1.03% | 1.24% | 3.22% | 4.01% | 8.52% | 9.61% | 9.42% | +620 bps | |
| Loan Growth (YoY) | 0.04% | -2.43% | -2.13% | -2.32% | -1.27% | -0.07% | -0.60% | -0.84% | +148 bps | |
| Share Growth (YoY) | -1.50% | 0.91% | 1.17% | 3.67% | 4.68% | 9.58% | 10.72% | 10.12% | +644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.40% | 0.39% | 0.32% | 0.31% | 0.29% | 0.23% | 0.12% | -20 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 | 0.43% | 0.39% | 0.38% | 0.33% | 0.29% | 0.27% | 0.27% | 0.27% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.37% | 11.40% | 11.61% | 11.48% | 11.25% | 10.67% | 10.73% | 10.60% | -88 bps | |
| Net Worth / Assets | 11.37% | 11.40% | 11.61% | 11.48% | 11.25% | 10.67% | 10.73% | 10.60% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.82% | 90.29% | 91.21% | 89.07% | 85.65% | 82.34% | 81.89% | 80.20% | -886 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |