Louisville, KY · Charter 10507
NCUA · 1 branch
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.48% | 0.26% | 0.06% | -0.01% | -0.06% | -14.94% | -1,520 bps | |
| Return on Equity | 9.49% | 8.35% | 6.31% | 3.43% | 0.81% | -0.20% | -0.86% | -505% | -50,840 bps | |
| Net Interest Margin | 2.81% | 2.90% | 2.84% | 2.77% | 2.72% | 2.62% | 2.56% | -0.05% | -282 bps | |
| Efficiency Ratio | 89.08% | 89.57% | 93.11% | 99.07% | 104.08% | 103.89% | 103.49% | 1682% | +158,335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.74% | -5.52% | -1.16% | 0.25% | 6.86% | 12.57% | 13.98% | 4.85% | +460 bps | |
| Loan Growth (YoY) | -4.24% | -6.67% | -2.74% | -3.84% | -4.47% | -3.24% | -6.06% | -8.76% | -492 bps | |
| Share Growth (YoY) | -5.65% | -6.50% | -1.78% | -0.10% | 6.93% | 13.65% | 15.22% | 10.09% | +1,019 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.26% | 0.21% | 0.13% | +13 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 | 0.85% | 0.85% | 0.75% | 0.69% | 0.60% | 0.59% | 0.57% | 0.57% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.51% | 7.83% | 7.62% | 7.50% | 7.18% | 6.96% | 6.63% | 2.96% | -454 bps | |
| Net Worth / Assets | 7.51% | 7.83% | 7.62% | 7.50% | 7.18% | 6.96% | 6.63% | 2.96% | -454 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.39% | 44.69% | 43.95% | 41.36% | 39.66% | 38.04% | 35.83% | 34.28% | -708 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |