Youngstown, OH · Charter 95028
NCUA · 1 branch
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.
Youngstown, OH · Charter 95028
NCUA · 1 branch
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 | -1.32% | -1.56% | -1.62% | -1.77% | -2.50% | -2.39% | -2.30% | -2.73% | -96 bps | |
| Return on Equity | -3.97% | -4.77% | -4.69% | -4.89% | -7.20% | -6.97% | -7.32% | -8.08% | -319 bps | |
| Net Interest Margin | 3.62% | 3.69% | 3.95% | 4.14% | 3.45% | 3.52% | 3.27% | 3.62% | -52 bps | |
| Efficiency Ratio | 130.77% | 129.13% | 129.68% | 135.50% | 163.92% | 154.30% | 156.50% | 161.04% | +2,554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.60% | -9.96% | -12.80% | -14.16% | -9.58% | -9.84% | 2.74% | -0.79% | +1,337 bps | |
| Loan Growth (YoY) | 15.94% | 13.00% | 0.65% | -7.46% | -13.32% | -14.77% | -12.87% | -17.36% | -990 bps | |
| Share Growth (YoY) | -16.55% | -12.94% | -16.90% | -18.82% | -11.70% | -11.92% | 7.62% | 3.03% | +2,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.40% | 3.39% | 3.12% | 2.65% | 1.67% | 1.90% | 1.93% | 1.87% | -78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.16% | 32.77% | 34.56% | 36.26% | 34.69% | 34.29% | 31.47% | 33.82% | -244 bps | |
| Net Worth / Assets | 33.16% | 32.77% | 34.56% | 36.26% | 34.69% | 34.29% | 31.47% | 33.82% | -244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.32% | 71.25% | 76.61% | 78.54% | 70.99% | 68.94% | 62.03% | 63.00% | -1,555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |