Canton, OH · Charter 96675
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Canton, OH · Charter 96675
NCUA · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.85% | -0.93% | -1.09% | -1.05% | -0.58% | -0.76% | -0.44% | +65 bps | |
| Return on Equity | -9.66% | -9.88% | -10.86% | -14.06% | -13.90% | -7.57% | -10.05% | -6.25% | +781 bps | |
| Net Interest Margin | 3.76% | 3.59% | 3.78% | 3.46% | 3.39% | 3.40% | 3.45% | 3.42% | -5 bps | |
| Efficiency Ratio | 112.90% | 111.65% | 112.04% | 122.73% | 122.04% | 111.99% | 110.99% | 106.37% | -1,636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 3.70% | -0.65% | 5.30% | 4.53% | 4.07% | 3.72% | 1.36% | -394 bps | |
| Loan Growth (YoY) | 11.70% | 5.35% | 7.00% | -4.40% | -5.28% | -5.01% | -12.01% | -13.48% | -908 bps | |
| Share Growth (YoY) | 5.03% | 5.37% | 0.37% | 4.68% | 6.01% | 5.28% | 4.55% | 4.13% | -56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.24% | 0.17% | 0.08% | 0.18% | 2.79% | 1.44% | 1.31% | +124 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 | 0.08% | 0.15% | 0.22% | 0.29% | 0.32% | 0.41% | 0.86% | 0.85% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 8.63% | 8.60% | 7.78% | 7.57% | 7.60% | 7.53% | 7.11% | -67 bps | |
| Net Worth / Assets | 8.94% | 8.63% | 8.60% | 7.78% | 7.57% | 7.60% | 7.53% | 7.11% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.69% | 62.38% | 67.29% | 60.66% | 58.70% | 56.28% | 56.63% | 50.40% | -1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |