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West Holmes School Employees

Millersburg, OH · Charter 96807

NCUA · 1 branch

Q4 2016

$317KAssets
$46KLoans
$271KShares
$46KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.04%, down 18 bps year over year; NIM at 1.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.43%, down 50 bps from a year ago.
  • Funding: loans stand at 16.84% of shares as of Q4 2016.

Financial Results

Return on Assets (quarter, annualized)

-0.04%-18 bps YoY

Net Interest Margin (quarter, annualized)

1.43%-60 bps YoY

Efficiency Ratio (quarter, annualized)

102.93%+969 bps YoY

Net Worth / Assets

14.43%-50 bps YoY

Discrete quarter, annualized.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.14%0.07%-0.15%-0.14%-0.04%-18 bps
Return on Equity0.92%0.49%-1.04%-0.96%-0.29%-121 bps
Net Interest Margin2.03%1.76%1.61%1.57%1.43%-60 bps
Efficiency Ratio93.24%96.05%109.14%108.78%102.93%+969 bps
Growth
Asset Growth (YoY)7.12%9.57%7.34%4.00%3.20%-392 bps
Loan Growth (YoY)-23.86%-40.75%-49.62%-50.63%-59.08%-3,521 bps
Share Growth (YoY)8.49%11.30%9.03%5.01%4.07%-442 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.79%2.48%3.01%3.71%4.37%+258 bps
Capital
Risk-Based Capital14.93%14.31%14.20%14.39%14.43%-50 bps
Net Worth / Assets14.93%14.31%14.20%14.39%14.43%-50 bps
Liquidity & Funding
Loans / Shares42.82%29.38%24.06%19.86%16.84%-2,598 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps