Mentor, OH · Charter 96753
NCUA · 10 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.34% | 0.34% | 0.40% | 0.37% | 0.35% | 0.41% | 0.45% | +5 bps | |
| Return on Equity | 4.64% | 2.91% | 2.84% | 3.24% | 3.03% | 2.83% | 3.30% | 3.45% | +22 bps | |
| Net Interest Margin | 3.99% | 4.06% | 4.07% | 4.20% | 4.15% | 3.86% | 3.91% | 4.05% | -14 bps | |
| Efficiency Ratio | 81.58% | 84.93% | 85.11% | 83.44% | 82.82% | 84.00% | 84.37% | 84.62% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | -0.22% | -1.57% | -2.99% | -2.15% | -2.18% | -2.15% | -1.75% | +124 bps | |
| Loan Growth (YoY) | 9.39% | 5.62% | -3.73% | -5.34% | -3.77% | -4.04% | -1.27% | 2.49% | +783 bps | |
| Share Growth (YoY) | -0.40% | -1.02% | -2.39% | -4.15% | -3.11% | -3.13% | -3.20% | -2.39% | +177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.66% | 0.63% | 0.83% | 0.72% | 0.50% | 0.36% | 0.42% | -41 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 | 0.81% | 0.84% | 0.81% | 0.84% | 0.82% | 0.83% | 0.79% | 0.78% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.72% | 11.64% | 11.83% | 12.34% | 12.35% | 12.27% | 12.49% | 12.97% | +63 bps | |
| Net Worth / Assets | 11.72% | 11.64% | 11.83% | 12.34% | 12.35% | 12.27% | 12.49% | 12.97% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.27% | 84.27% | 84.57% | 86.73% | 86.67% | 83.47% | 86.25% | 91.06% | +433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |