Canton, OH · Charter 96793
NCUA · 3 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Canton, OH · Charter 96793
NCUA · 3 branches
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.06% | 0.09% | 0.00% | -0.01% | -4.01% | -3.15% | -1.29% | -129 bps | |
| Return on Equity | 0.56% | 0.74% | 1.01% | 0.02% | -0.07% | -64.28% | -52.87% | -17.51% | -1,753 bps | |
| Net Interest Margin | 4.02% | 3.97% | 4.02% | 4.04% | 3.48% | 3.48% | 3.45% | 3.88% | -16 bps | |
| Efficiency Ratio | 91.08% | 90.92% | 92.63% | 93.88% | 100.15% | 104.62% | 104.39% | 98.39% | +450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | 4.99% | -1.53% | -3.36% | 1.31% | 1.39% | 4.59% | 2.14% | +550 bps | |
| Loan Growth (YoY) | -14.34% | -19.15% | -20.89% | -21.83% | -18.12% | -21.35% | -16.66% | -16.39% | +543 bps | |
| Share Growth (YoY) | -4.07% | 6.06% | -1.24% | -3.16% | 1.51% | 3.80% | 7.75% | 3.82% | +698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.62% | 1.36% | 1.14% | 1.60% | 1.76% | 0.38% | 0.00% | 0.00% | -160 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 | 1.46% | 0.73% | 0.12% | 0.35% | 0.11% | 4.53% | 5.12% | 2.12% | +177 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.53% | 8.39% | 8.76% | 8.85% | 8.41% | 6.24% | 5.96% | 7.37% | -148 bps | |
| Net Worth / Assets | 8.53% | 8.39% | 8.76% | 8.85% | 8.41% | 6.24% | 5.96% | 7.37% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.20% | 43.84% | 42.86% | 42.65% | 38.08% | 33.22% | 33.15% | 34.35% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |