Bunker Hill, IN · Charter 11799
NCUA · 2 branches
Q3 2016
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 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.59% | -2.66% | -3.76% | -3.67% | -3.28% | -1.94% | -2.25% | -2.46% | +122 bps | |
| Return on Equity | -19.98% | -22.47% | -36.39% | -34.38% | -33.28% | -21.01% | -21.73% | -23.16% | +1,121 bps | |
| Net Interest Margin | 3.81% | 3.54% | 3.58% | 4.00% | 4.10% | 4.69% | 5.56% | 5.97% | +197 bps | |
| Efficiency Ratio | 154.74% | 169.82% | 160.16% | 158.32% | 153.88% | 136.58% | 135.69% | 136.06% | -2,227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.41% | -16.96% | -8.11% | -2.93% | -1.58% | -3.49% | -20.01% | -18.99% | -1,607 bps | |
| Loan Growth (YoY) | 26.83% | 36.24% | 20.75% | 2.38% | 10.19% | -1.12% | -0.50% | -4.32% | -670 bps | |
| Share Growth (YoY) | -24.34% | -16.80% | -6.93% | 0.11% | 1.95% | -0.59% | -19.97% | -18.94% | -1,905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.70% | 0.75% | 1.55% | 0.17% | 1.22% | 0.12% | 0.27% | -128 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 | 0.24% | 0.11% | 1.13% | 1.17% | 1.06% | 1.11% | 1.14% | 1.22% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.94% | 11.83% | 10.34% | 10.68% | 9.87% | 9.22% | 10.34% | 10.60% | -8 bps | |
| Net Worth / Assets | 12.94% | 11.83% | 10.34% | 10.68% | 9.87% | 9.22% | 10.34% | 10.60% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.38% | 77.24% | 72.27% | 77.07% | 82.56% | 76.83% | 89.85% | 90.96% | +1,390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |