Lakewood, OH · Charter 96738
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Lakewood, OH · Charter 96738
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.13% | 0.10% | 2.92% | 0.91% | 0.73% | 0.34% | 0.01% | -292 bps | |
| Return on Equity | 0.00% | -0.56% | 0.41% | 11.19% | 3.53% | 2.91% | 1.34% | 0.03% | -1,117 bps | |
| Net Interest Margin | 0.94% | 1.04% | 1.01% | 1.14% | 0.97% | 1.10% | 0.89% | 1.56% | +42 bps | |
| Efficiency Ratio | 100.03% | 112.59% | 126.23% | 116.58% | 166.31% | 124.83% | 147.36% | 101.08% | -1,550 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | -9.55% | -10.20% | -12.93% | -13.06% | -4.58% | -4.42% | 1.30% | +1,423 bps | |
| Loan Growth (YoY) | -27.64% | -26.29% | -30.76% | -28.26% | -10.63% | 5.82% | 5.99% | 9.54% | +3,780 bps | |
| Share Growth (YoY) | -2.89% | -12.56% | -13.06% | -17.38% | -17.24% | -6.62% | -6.21% | 2.29% | +1,966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 5.61% | 5.38% | 5.12% | 3.93% | 2.80% | 2.41% | 1.23% | -389 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 | 13.52% | 13.72% | 13.38% | 10.45% | 9.45% | 8.10% | 9.02% | 9.54% | -91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.90% | 23.24% | 23.73% | 26.11% | 25.75% | 25.10% | 25.16% | 25.40% | -71 bps | |
| Net Worth / Assets | 21.90% | 23.24% | 23.73% | 26.11% | 25.75% | 25.10% | 25.16% | 25.40% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.87% | 27.82% | 24.94% | 25.32% | 27.93% | 31.52% | 28.18% | 27.12% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |