Columbus, OH · Charter 96715
NCUA · 3 branches
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.52% | -1.12% | -2.29% | -0.39% | -0.38% | +114 bps | |
| Return on Equity | -12.61% | -9.81% | -24.55% | -4.26% | -4.12% | +849 bps | |
| Net Interest Margin | 3.42% | 3.37% | 3.27% | 3.34% | 3.46% | +4 bps | |
| Efficiency Ratio | 124.72% | 119.57% | 117.42% | 109.25% | 108.81% | -1,591 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.33% | -0.55% | 10.63% | 10.83% | 9.55% | +1,188 bps | |
| Loan Growth (YoY) | 3.99% | 11.62% | -4.51% | 1.68% | -1.01% | -499 bps | |
| Share Growth (YoY) | -1.26% | 0.83% | 15.20% | 14.79% | 13.16% | +1,443 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.00% | 0.93% | 1.44% | 1.09% | 1.34% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.04% | 11.44% | 9.32% | 9.10% | 9.19% | -285 bps | |
| Net Worth / Assets | 12.04% | 11.44% | 9.32% | 9.10% | 9.19% | -285 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |