Crane, IN · Charter 10544
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Crane, IN · Charter 10544
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.93% | 0.73% | 0.74% | 0.64% | -25 bps | |
| Return on Equity | 6.52% | 6.75% | 5.38% | 5.38% | 4.72% | -179 bps | |
| Net Interest Margin | 2.98% | 2.95% | 2.81% | 2.77% | 2.57% | -41 bps | |
| Efficiency Ratio | 72.42% | 72.37% | 76.05% | 75.59% | 76.93% | +451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.91% | 0.92% | 0.13% | 4.53% | 14.74% | +1,565 bps | |
| Loan Growth (YoY) | 4.58% | 4.13% | 4.19% | 4.54% | 12.47% | +788 bps | |
| Share Growth (YoY) | -1.99% | -2.04% | -1.72% | 5.03% | 14.84% | +1,683 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 0.84% | 1.15% | 0.67% | 1.09% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.48% | 0.49% | 0.48% | 0.47% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.73% | 13.83% | 13.65% | 13.78% | 13.57% | -16 bps | |
| Net Worth / Assets | 13.73% | 13.83% | 13.65% | 13.78% | 13.57% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.05% | 74.69% | 71.74% | 72.85% | 72.52% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |