Cheyenne, WY · Charter 1305
NCUA · 1 branch
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.98% | 0.86% | 0.88% | 0.95% | -7 bps | |
| Return on Equity | 5.02% | 4.84% | 4.32% | 4.36% | 4.56% | -46 bps | |
| Net Interest Margin | 2.88% | 2.82% | 2.68% | 2.74% | 2.83% | -5 bps | |
| Efficiency Ratio | 74.77% | 75.19% | 76.75% | 76.67% | 75.61% | +85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.31% | 5.26% | 8.62% | 7.55% | 1.81% | -250 bps | |
| Loan Growth (YoY) | -10.37% | -12.50% | -12.76% | -11.42% | -6.02% | +436 bps | |
| Share Growth (YoY) | 4.70% | 5.97% | 9.38% | 7.94% | 0.71% | -398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.43% | 3.52% | 3.62% | 3.42% | 3.35% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.35% | 20.24% | 19.95% | 20.24% | 20.93% | +58 bps | |
| Net Worth / Assets | 20.35% | 20.24% | 19.95% | 20.24% | 20.93% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |