Akron, OH · Charter 8301
NCUA · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | -1.37% | -0.56% | -0.82% | -0.92% | -1.01% | -1.20% | -4.56% | -374 bps | |
| Return on Equity | -4.89% | -7.01% | -2.89% | -4.25% | -4.75% | -5.27% | -6.45% | -26.62% | -2,237 bps | |
| Net Interest Margin | 1.99% | 1.92% | 1.72% | 1.72% | 1.77% | 1.75% | 1.68% | 0.18% | -154 bps | |
| Efficiency Ratio | 145.12% | 152.05% | 166.83% | 161.28% | 158.02% | 160.20% | 158.12% | 1137% | +97,531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | -1.90% | -1.24% | 0.48% | -1.18% | -2.92% | -2.17% | -2.93% | -342 bps | |
| Loan Growth (YoY) | -9.65% | -8.67% | -12.15% | -11.85% | -6.48% | -9.51% | -10.19% | -19.46% | -761 bps | |
| Share Growth (YoY) | 0.34% | -0.88% | -0.14% | 2.25% | 0.23% | -2.27% | -1.24% | -1.30% | -355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.00% | 2.79% | 0.31% | 0.26% | 0.23% | -77 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 | 0.22% | 0.32% | 0.33% | 0.33% | 0.34% | 0.36% | 0.43% | 0.42% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.45% | 19.60% | 19.24% | 19.28% | 19.36% | 19.18% | 18.65% | 17.12% | -216 bps | |
| Net Worth / Assets | 20.45% | 19.60% | 19.24% | 19.28% | 19.36% | 19.18% | 18.65% | 17.12% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.10% | 43.46% | 41.18% | 42.40% | 42.08% | 40.24% | 37.45% | 34.60% | -780 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |