Youngstown, OH · Charter 95028
NCUA · 1 branch
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 | -1.77% | -2.50% | -2.39% | -2.30% | -2.73% | -96 bps | |
| Return on Equity | -4.89% | -7.20% | -6.97% | -7.32% | -8.08% | -319 bps | |
| Net Interest Margin | 4.14% | 3.45% | 3.52% | 3.27% | 3.62% | -52 bps | |
| Efficiency Ratio | 135.50% | 163.92% | 154.30% | 156.50% | 161.04% | +2,554 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.16% | -9.58% | -9.84% | 2.74% | -0.79% | +1,337 bps | |
| Loan Growth (YoY) | -7.46% | -13.32% | -14.77% | -12.87% | -17.36% | -990 bps | |
| Share Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.65% | 1.67% | 1.90% | 1.93% | 1.87% | -78 bps | |
| Capital | |||||||
| Risk-Based Capital | 36.26% | 34.69% | 34.29% | 31.47% | 33.82% | -244 bps | |
| Net Worth / Assets | 36.26% | 34.69% | 34.29% | 31.47% | 33.82% | -244 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |