Millersburg, OH · Charter 96807
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.26% | 0.13% | 0.14% | 0.07% | -0.15% | -0.14% | -0.04% | -18 bps | |
| Return on Equity | 1.52% | 1.67% | 0.86% | 0.92% | 0.49% | -1.04% | -0.96% | -0.29% | -121 bps | |
| Net Interest Margin | 2.23% | 2.13% | 2.03% | 2.03% | 1.76% | 1.61% | 1.57% | 1.43% | -60 bps | |
| Efficiency Ratio | 89.40% | 87.98% | 93.64% | 93.24% | 96.05% | 109.14% | 108.78% | 102.93% | +969 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.29% | -2.57% | -2.15% | 7.12% | 9.57% | 7.34% | 4.00% | 3.20% | -392 bps | |
| Loan Growth (YoY) | 0.26% | 3.52% | -32.21% | -23.86% | -40.75% | -49.62% | -50.63% | -59.08% | -3,521 bps | |
| Share Growth (YoY) | -4.31% | -3.32% | -2.70% | 8.49% | 11.30% | 9.03% | 5.01% | 4.07% | -442 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.47% | 1.52% | 1.83% | 1.79% | 2.48% | 3.01% | 3.71% | 4.37% | +258 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.57% | 15.31% | 15.03% | 14.93% | 14.31% | 14.20% | 14.39% | 14.43% | -50 bps | |
| Net Worth / Assets | 15.57% | 15.31% | 15.03% | 14.93% | 14.31% | 14.20% | 14.39% | 14.43% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.19% | 52.08% | 42.24% | 42.82% | 29.38% | 24.06% | 19.86% | 16.84% | -2,598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |