Hopkinsville, KY · Charter 11487
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.
Hopkinsville, KY · Charter 11487
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 | -0.48% | -3.01% | -1.98% | -2.42% | -4.29% | -381 bps | |
| Return on Equity | -6.16% | -42.29% | -35.28% | -43.13% | -131.36% | -12,520 bps | |
| Net Interest Margin | 6.33% | 6.05% | 5.24% | 5.96% | 6.11% | -22 bps | |
| Efficiency Ratio | 109.71% | 141.88% | 132.59% | 135.94% | 163.79% | +5,408 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.52% | -10.72% | 8.82% | -1.67% | 3.54% | +706 bps | |
| Loan Growth (YoY) | 0.50% | 3.17% | 9.99% | 10.94% | 23.41% | +2,291 bps | |
| Share Growth (YoY) | -3.19% | -10.21% | 10.98% | 0.38% | 6.43% | +962 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.03% | 0.00% | 0.00% | 0.00% | -107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.24% | 0.25% | 0.26% | 0.23% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.83% | 7.12% | 5.62% | 5.62% | 3.27% | -456 bps | |
| Net Worth / Assets | 7.83% | 7.12% | 5.62% | 5.62% | 3.27% | -456 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.35% | 89.04% | 78.56% | 86.00% | 98.97% | +1,362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |