Wooster, OH · Charter 96764
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Wooster, OH · Charter 96764
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.15% | -1.86% | -1.13% | -1.11% | -1.44% | +70 bps | |
| Return on Equity | -13.73% | -12.56% | -7.90% | -7.45% | -9.22% | +451 bps | |
| Net Interest Margin | 2.98% | 2.86% | 2.88% | 2.89% | 2.92% | -6 bps | |
| Efficiency Ratio | 172.00% | 164.81% | 139.34% | 138.54% | 149.41% | -2,258 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.91% | 3.82% | -0.21% | 0.14% | -8.67% | -1,157 bps | |
| Loan Growth (YoY) | -4.00% | 9.36% | 7.78% | 3.82% | -26.71% | -2,271 bps | |
| Share Growth (YoY) | 6.21% | 7.03% | 1.58% | 1.85% | -8.71% | -1,492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.46% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.24% | 2.20% | 2.04% | 2.11% | 3.06% | +82 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.63% | 14.78% | 14.36% | 14.94% | 15.67% | +4 bps | |
| Net Worth / Assets | 15.63% | 14.78% | 14.36% | 14.94% | 15.67% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.28% | 64.42% | 67.61% | 69.71% | 52.40% | -1,287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |