Canton, OH · Charter 96793
NCUA · 3 branches
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.01% | -4.01% | -3.15% | -1.29% | -129 bps | |
| Return on Equity | 0.02% | -0.07% | -64.28% | -52.87% | -17.51% | -1,753 bps | |
| Net Interest Margin | 4.04% | 3.48% | 3.48% | 3.45% | 3.88% | -16 bps | |
| Efficiency Ratio | 93.88% | 100.15% | 104.62% | 104.39% | 98.39% | +450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.36% | 1.31% | 1.39% | 4.59% | 2.14% | +550 bps | |
| Loan Growth (YoY) | -21.83% | -18.12% | -21.35% | -16.66% | -16.39% | +543 bps | |
| Share Growth (YoY) | -3.16% | 1.51% | 3.80% | 7.75% | 3.82% | +698 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.35% | 0.11% | 4.53% | 5.12% | 2.12% | +177 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.85% | 8.41% | 6.24% | 5.96% | 7.37% | -148 bps | |
| Net Worth / Assets | 8.85% | 8.41% | 6.24% | 5.96% | 7.37% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |