Kokomo, IN · Charter 13187
NCUA · 1 branch
Q3 2019
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.80% | -2.29% | -1.15% | -0.63% | -4.73% | -193 bps | |
| Return on Equity | -27.52% | -21.37% | -11.02% | -6.05% | -58.61% | -3,109 bps | |
| Net Interest Margin | 3.95% | 4.10% | 4.11% | 4.06% | 4.50% | +55 bps | |
| Efficiency Ratio | 102.82% | 101.62% | 103.38% | 97.73% | 144.02% | +4,120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.86% | -9.22% | -13.93% | -11.10% | -13.02% | -516 bps | |
| Loan Growth (YoY) | -15.82% | -14.81% | -10.14% | -5.37% | -9.94% | +588 bps | |
| Share Growth (YoY) | -6.61% | -8.38% | -14.12% | -11.38% | -12.03% | -542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.47% | 3.84% | 2.51% | 2.99% | 1.88% | -159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.47% | 1.45% | 1.40% | 1.55% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 10.70% | 10.47% | 10.46% | 8.08% | -210 bps | |
| Net Worth / Assets | 10.17% | 10.70% | 10.47% | 10.46% | 8.08% | -210 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.19% | 85.90% | 85.22% | 86.78% | 85.17% | +198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |