Garfield Hts, OH · Charter 96800
NCUA · 1 branch
Q3 2019
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 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.41% | 0.40% | 0.37% | 0.47% | 0.78% | 0.76% | 0.34% | -3 bps | |
| Return on Equity | 0.93% | 2.56% | 2.40% | 2.11% | 2.62% | 4.32% | 4.18% | 1.76% | -35 bps | |
| Net Interest Margin | 2.12% | 2.41% | 2.40% | 2.53% | 2.66% | 2.89% | 2.75% | 2.88% | +35 bps | |
| Efficiency Ratio | 93.11% | 83.79% | 84.15% | 86.04% | 83.05% | 73.49% | 73.02% | 88.45% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | 0.37% | -2.16% | 0.09% | -4.24% | -8.13% | -5.20% | -7.70% | -779 bps | |
| Loan Growth (YoY) | 5.67% | 27.50% | 11.28% | 0.47% | -2.07% | -2.80% | -11.90% | -14.20% | -1,467 bps | |
| Share Growth (YoY) | -6.95% | -2.61% | -4.28% | -1.71% | -7.16% | -9.14% | -7.47% | -11.02% | -932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.72% | 5.42% | 2.79% | 3.06% | 2.76% | 2.52% | 2.56% | 9.38% | +632 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 | 2.64% | 2.53% | 2.47% | 2.65% | 2.70% | 2.60% | 2.81% | 3.09% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.54% | 16.09% | 16.66% | 17.38% | 17.74% | 18.07% | 18.21% | 19.29% | +191 bps | |
| Net Worth / Assets | 16.54% | 16.09% | 16.66% | 17.38% | 17.74% | 18.07% | 18.21% | 19.29% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.63% | 65.84% | 68.82% | 67.34% | 67.12% | 70.43% | 65.53% | 64.94% | -240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |