Columbus, OH · Charter 96715
NCUA · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Columbus, OH · Charter 96715
NCUA · 3 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.66% | -2.12% | -1.52% | -1.12% | -2.29% | -0.39% | -0.38% | +114 bps | |
| Return on Equity | -1.90% | -5.14% | -17.42% | -12.61% | -9.81% | -24.55% | -4.26% | -4.12% | +849 bps | |
| Net Interest Margin | 3.45% | 3.61% | 3.29% | 3.42% | 3.37% | 3.27% | 3.34% | 3.46% | +4 bps | |
| Efficiency Ratio | 105.57% | 114.40% | 128.15% | 124.72% | 119.57% | 117.42% | 109.25% | 108.81% | -1,591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.61% | -2.98% | -3.21% | -2.33% | -0.55% | 10.63% | 10.83% | 9.55% | +1,188 bps | |
| Loan Growth (YoY) | -3.73% | 11.32% | 6.19% | 3.99% | 11.62% | -4.51% | 1.68% | -1.01% | -499 bps | |
| Share Growth (YoY) | 6.67% | -2.63% | -2.55% | -1.26% | 0.83% | 15.20% | 14.79% | 13.16% | +1,443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.11% | 0.37% | 0.12% | 2.63% | 0.21% | 0.90% | 0.17% | +5 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 | 0.72% | 0.74% | 1.03% | 1.00% | 0.93% | 1.44% | 1.09% | 1.34% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 12.84% | 12.17% | 12.04% | 11.44% | 9.32% | 9.10% | 9.19% | -285 bps | |
| Net Worth / Assets | 12.66% | 12.84% | 12.17% | 12.04% | 11.44% | 9.32% | 9.10% | 9.19% | -285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.69% | 59.63% | 54.33% | 57.06% | 57.22% | 49.43% | 48.13% | 49.92% | -715 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |