Cincinnati, OH · Charter 96690
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Cincinnati, OH · Charter 96690
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.03% | 0.08% | 0.14% | 0.52% | +50 bps | |
| Return on Equity | 0.20% | 0.22% | 0.68% | 1.14% | 4.26% | +406 bps | |
| Net Interest Margin | 2.78% | 2.67% | 2.84% | 2.80% | 2.75% | -3 bps | |
| Efficiency Ratio | 87.26% | 86.43% | 86.35% | 87.55% | 86.75% | -52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.35% | 0.99% | -3.73% | -1.22% | -2.14% | +20 bps | |
| Loan Growth (YoY) | -4.57% | -4.30% | -7.30% | -7.76% | -7.77% | -320 bps | |
| Share Growth (YoY) | -1.82% | 1.78% | -2.61% | -1.70% | -2.29% | -47 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 2.50% | 1.58% | 1.45% | 0.96% | -170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.71% | 1.23% | 1.28% | 1.19% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 11.41% | 12.28% | 12.23% | 12.31% | +52 bps | |
| Net Worth / Assets | 11.79% | 11.41% | 12.28% | 12.23% | 12.31% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.04% | 45.63% | 47.89% | 47.07% | 45.34% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |