Canfield, OH · Charter 96798
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.63% | -1.74% | -1.72% | -1.76% | -1.90% | -27 bps | |
| Return on Equity | -10.11% | -11.08% | -10.93% | -11.92% | -13.39% | -327 bps | |
| Net Interest Margin | 1.94% | 1.94% | 1.99% | 1.94% | 1.86% | -8 bps | |
| Efficiency Ratio | 173.86% | 178.74% | 175.47% | 178.93% | 190.72% | +1,686 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.76% | 0.45% | -1.94% | 2.90% | 0.75% | +351 bps | |
| Loan Growth (YoY) | -6.49% | -1.34% | -2.07% | -2.96% | -2.34% | +415 bps | |
| Share Growth (YoY) | -0.37% | 3.48% | 0.57% | 6.01% | 3.47% | +384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.10% | 0.44% | 0.77% | 0.36% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.43% | 1.30% | 1.33% | 0.88% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.09% | 15.72% | 15.69% | 14.77% | 14.16% | -193 bps | |
| Net Worth / Assets | 16.09% | 15.72% | 15.69% | 14.77% | 14.16% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.35% | 31.35% | 31.90% | 30.48% | 28.65% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |