Pepper Pike, OH · Charter 96765
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.18% | 0.28% | 0.20% | 0.17% | 0.28% | 0.06% | 0.73% | +54 bps | |
| Return on Equity | 2.54% | 0.99% | 1.60% | 1.16% | 0.98% | 1.69% | 0.40% | 3.84% | +268 bps | |
| Net Interest Margin | 2.87% | 2.59% | 2.40% | 2.31% | 2.23% | 1.78% | 1.60% | 1.60% | -71 bps | |
| Efficiency Ratio | 74.16% | 86.51% | 81.80% | 84.77% | 87.36% | 82.58% | 95.11% | 134.98% | +5,022 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.29% | 2.86% | 7.77% | 4.39% | 3.99% | 10.75% | 9.44% | -7.74% | -1,213 bps | |
| Loan Growth (YoY) | -12.60% | -9.42% | -15.24% | -11.20% | -12.18% | -17.90% | -11.33% | -20.80% | -960 bps | |
| Share Growth (YoY) | 12.10% | 2.93% | 8.95% | 4.89% | 4.55% | 12.82% | 11.32% | -9.88% | -1,478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.18% | 7.07% | 6.23% | 3.54% | 2.63% | 2.31% | 1.95% | 2.48% | -106 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 | 4.79% | 4.98% | 5.12% | 5.30% | 4.68% | 5.02% | 5.08% | 1.48% | -382 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.59% | 18.30% | 17.47% | 17.14% | 17.09% | 16.71% | 16.02% | 19.15% | +201 bps | |
| Net Worth / Assets | 17.59% | 18.30% | 17.47% | 17.14% | 17.09% | 16.71% | 16.02% | 19.15% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.91% | 37.36% | 33.04% | 32.21% | 30.16% | 27.19% | 26.32% | 28.31% | -390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |