Olmsted Falls, OH · Charter 96696
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Olmsted Falls, OH · Charter 96696
NCUA · 1 branch
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 2.08% | 0.13% | 1.46% | 1.90% | 2.12% | -37.75% | -17.47% | -1,893 bps | |
| Return on Equity | 3.74% | 3.93% | 0.25% | 2.78% | 3.48% | 3.83% | -74.12% | -33.26% | -3,604 bps | |
| Net Interest Margin | 7.79% | 8.23% | 8.27% | 8.13% | 8.65% | 8.68% | 8.95% | 9.20% | +106 bps | |
| Efficiency Ratio | 76.38% | 74.80% | 98.45% | 82.08% | 78.02% | 75.56% | 99.02% | 81.21% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.83% | -4.13% | -4.89% | -3.28% | -6.39% | -1.01% | -12.18% | -12.36% | -908 bps | |
| Loan Growth (YoY) | -3.40% | -4.01% | 2.34% | 9.85% | 5.96% | 1.25% | 1.67% | -4.60% | -1,445 bps | |
| Share Growth (YoY) | -44.23% | -12.17% | -13.14% | -10.13% | -13.04% | -7.76% | -13.40% | -12.73% | -260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 0.00% | 2.85% | 2.74% | 2.42% | 22.00% | 15.53% | 14.46% | +1,172 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 | 12.08% | 9.54% | 9.55% | 9.21% | 7.37% | 7.57% | 19.33% | 17.41% | +820 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 49.20% | 52.75% | 51.02% | 52.37% | 54.60% | 55.41% | 50.94% | 52.54% | +17 bps | |
| Net Worth / Assets | 49.20% | 52.75% | 51.02% | 52.37% | 54.60% | 55.41% | 50.94% | 52.54% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 150.56% | 173.59% | 170.15% | 174.24% | 183.45% | 190.54% | 199.77% | 190.47% | +1,622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |