Cheyenne, WY · Charter 1305
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Cheyenne, WY · Charter 1305
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.03% | 1.04% | 1.02% | 0.98% | 0.86% | 0.88% | 0.95% | -7 bps | |
| Return on Equity | 6.27% | 4.98% | 5.01% | 5.02% | 4.84% | 4.32% | 4.36% | 4.56% | -46 bps | |
| Net Interest Margin | 3.06% | 3.00% | 2.98% | 2.88% | 2.82% | 2.68% | 2.74% | 2.83% | -5 bps | |
| Efficiency Ratio | 70.62% | 76.15% | 75.27% | 74.77% | 75.19% | 76.75% | 76.67% | 75.61% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | -2.91% | -0.60% | 4.31% | 5.26% | 8.62% | 7.55% | 1.81% | -250 bps | |
| Loan Growth (YoY) | 3.71% | -2.59% | -5.42% | -10.37% | -12.50% | -12.76% | -11.42% | -6.02% | +436 bps | |
| Share Growth (YoY) | -3.00% | -4.51% | -1.53% | 4.70% | 5.97% | 9.38% | 7.94% | 0.71% | -398 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.61% | 1.86% | 0.92% | 0.86% | 0.94% | 1.07% | 0.95% | +3 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 | 3.33% | 3.27% | 3.29% | 3.43% | 3.52% | 3.62% | 3.42% | 3.35% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.28% | 20.66% | 20.78% | 20.35% | 20.24% | 19.95% | 20.24% | 20.93% | +58 bps | |
| Net Worth / Assets | 20.28% | 20.66% | 20.78% | 20.35% | 20.24% | 19.95% | 20.24% | 20.93% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.30% | 46.46% | 45.36% | 41.67% | 39.05% | 37.06% | 37.22% | 38.88% | -278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |