Youngstown, OH · Charter 96811
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Youngstown, OH · Charter 96811
Q4 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -1.32% | -12.58% | -8.49% | -5410% | -540,968 bps | |
| Return on Equity | -1.32% | -2.92% | -12.61% | -8.49% | -5410% | -540,895 bps | |
| Net Interest Margin | 1.69% | 1.32% | 2.74% | 1.85% | -4922% | -492,324 bps | |
| Efficiency Ratio | 134.76% | 199.49% | 559% | 559% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.19% | -5.94% | -59.09% | -58.69% | -99.19% | -9,500 bps | |
| Loan Growth (YoY) | -24.60% | -26.05% | -100.00% | -100.00% | -100.00% | -7,540 bps | |
| Share Growth (YoY) | -6.39% | -9.04% | -100.00% | -100.00% | -100.00% | -9,361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.32% | 10.47% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 44.74% | 45.12% | 99.74% | 100.00% | 100.00% | +5,526 bps | |
| Net Worth / Assets | 44.74% | 45.12% | 99.74% | 100.00% | 100.00% | +5,526 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.40% | 24.93% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |