Lamar, CO · Charter 10246
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Lamar, CO · Charter 10246
NCUA · 1 branch
Q2 2016
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | -0.77% | -0.63% | -2.94% | -2.72% | -181 bps | |
| Return on Equity | -11.90% | -10.66% | -8.80% | -46.24% | -44.58% | -3,268 bps | |
| Net Interest Margin | 3.64% | 3.53% | 3.57% | 3.05% | 3.36% | -28 bps | |
| Efficiency Ratio | 117.78% | 115.12% | 112.11% | 142.27% | 135.82% | +1,804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.76% | 7.54% | 3.78% | 2.82% | -0.75% | -251 bps | |
| Loan Growth (YoY) | -12.81% | -1.23% | 3.63% | 5.14% | -0.52% | +1,229 bps | |
| Share Growth (YoY) | 1.21% | 8.35% | 4.65% | 4.33% | 1.67% | +46 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 0.96% | 1.19% | 0.39% | 0.67% | -77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.09% | 3.89% | 3.96% | 3.29% | 3.50% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.59% | 7.23% | 7.13% | 6.37% | 6.09% | -150 bps | |
| Net Worth / Assets | 7.59% | 7.23% | 7.13% | 6.37% | 6.09% | -150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.20% | 50.78% | 49.49% | 45.89% | 48.14% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |