Columbus, OH · Charter 97091
NCUA · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Columbus, OH · Charter 97091
NCUA · 1 branch
Q2 2019
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.19% | 0.16% | 0.07% | 0.09% | -8 bps | |
| Return on Equity | 1.60% | 1.78% | 1.47% | 0.66% | 0.85% | -75 bps | |
| Net Interest Margin | 2.74% | 2.83% | 2.88% | 2.98% | 3.11% | +36 bps | |
| Efficiency Ratio | 94.23% | 93.58% | 94.00% | 91.72% | 90.44% | -380 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | -0.95% | 2.13% | 5.17% | 0.30% | -8 bps | |
| Loan Growth (YoY) | -8.49% | -5.71% | -8.28% | -7.52% | -14.78% | -629 bps | |
| Share Growth (YoY) | 0.14% | -1.18% | 2.31% | 5.75% | 0.26% | +12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 1.42% | 2.80% | 2.69% | 2.39% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.46% | 0.58% | 0.47% | 0.53% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.54% | 10.66% | 10.67% | 10.15% | 10.62% | +9 bps | |
| Net Worth / Assets | 10.54% | 10.66% | 10.67% | 10.15% | 10.62% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.54% | 45.46% | 43.11% | 40.10% | 37.86% | -668 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |