Paducah, KY · Charter 12061
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.33% | -0.06% | -0.08% | -0.13% | +6 bps | |
| Return on Equity | -1.40% | -2.52% | -0.49% | -0.63% | -0.96% | +44 bps | |
| Net Interest Margin | 2.23% | 2.20% | 2.22% | 2.09% | 2.13% | -10 bps | |
| Efficiency Ratio | 108.46% | 114.10% | 103.63% | 110.35% | 110.21% | +174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.54% | -2.51% | -3.25% | 0.43% | -0.56% | +298 bps | |
| Loan Growth (YoY) | -3.96% | -0.56% | 4.59% | 6.42% | 8.03% | +1,199 bps | |
| Share Growth (YoY) | -3.81% | -2.47% | -3.40% | 0.83% | -0.22% | +359 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.00% | 0.00% | 0.10% | 0.14% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.66% | 0.65% | 0.51% | 0.50% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.30% | 13.13% | 12.96% | 12.94% | 13.09% | -21 bps | |
| Net Worth / Assets | 13.30% | 13.13% | 12.96% | 12.94% | 13.09% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.02% | 56.10% | 56.32% | 57.63% | 59.57% | +455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |