Akron, OH · Charter 96657
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.01% | 0.06% | -0.21% | -3.42% | -2.58% | -2.39% | -4.92% | -471 bps | |
| Return on Equity | -1.94% | 0.09% | 0.44% | -1.67% | -29.73% | -20.59% | -19.55% | -44.84% | -4,317 bps | |
| Net Interest Margin | 2.89% | 3.02% | 3.06% | 2.90% | 3.07% | 3.50% | 3.54% | 3.91% | +102 bps | |
| Efficiency Ratio | 104.14% | 98.31% | 97.56% | 105.80% | 136.28% | 126.95% | 123.82% | 131.40% | +2,560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | -0.62% | 2.34% | 0.10% | -4.92% | -11.23% | -13.03% | -13.52% | -1,362 bps | |
| Loan Growth (YoY) | -1.86% | 1.36% | 4.21% | 3.42% | -2.61% | -8.90% | -10.73% | -13.40% | -1,681 bps | |
| Share Growth (YoY) | -0.15% | 0.11% | 2.66% | 0.30% | -3.82% | -10.84% | -12.38% | -11.98% | -1,229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.28% | 0.41% | 0.77% | 1.30% | 1.45% | 1.96% | 1.05% | +28 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 | 1.11% | 1.11% | 1.12% | 1.17% | 2.37% | 2.30% | 2.81% | 2.91% | +174 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 12.99% | 12.91% | 12.57% | 11.51% | 12.53% | 12.24% | 10.96% | -160 bps | |
| Net Worth / Assets | 12.58% | 12.99% | 12.91% | 12.57% | 11.51% | 12.53% | 12.24% | 10.96% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.27% | 76.25% | 74.30% | 72.04% | 73.18% | 77.91% | 75.69% | 70.88% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |