North Jackson, OH · Charter 96693
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
North Jackson, OH · Charter 96693
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.04% | -0.01% | -0.02% | 0.04% | -0.62% | -0.66% | -1.42% | -140 bps | |
| Return on Equity | 0.43% | 0.28% | -0.06% | -0.13% | 0.25% | -4.33% | -4.37% | -8.36% | -823 bps | |
| Net Interest Margin | 3.43% | 3.09% | 2.93% | 2.98% | 3.16% | 2.78% | 3.02% | 3.39% | +41 bps | |
| Efficiency Ratio | 97.58% | 99.22% | 100.16% | 100.36% | 99.34% | 112.41% | 112.98% | 124.12% | +2,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.93% | 4.41% | 6.80% | 10.00% | 3.08% | 4.72% | -4.27% | -17.77% | -2,777 bps | |
| Loan Growth (YoY) | -8.95% | -5.61% | -14.56% | -10.13% | -9.87% | -16.11% | -16.93% | -24.17% | -1,403 bps | |
| Share Growth (YoY) | 17.41% | 5.43% | 8.29% | 12.18% | 3.60% | 5.69% | -4.66% | -19.98% | -3,215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 0.97% | 0.83% | 1.37% | 0.89% | 1.32% | 0.69% | 1.94% | +57 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 | 2.01% | 1.96% | 1.71% | 1.88% | 1.74% | 1.32% | 0.66% | 0.71% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.12% | 15.24% | 14.81% | 14.81% | 15.67% | 14.42% | 15.18% | 17.01% | +220 bps | |
| Net Worth / Assets | 16.12% | 15.24% | 14.81% | 14.81% | 15.67% | 14.42% | 15.18% | 17.01% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.61% | 34.16% | 31.55% | 31.53% | 31.85% | 27.12% | 27.48% | 29.88% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |