Kokomo, IN · Charter 13187
NCUA · 1 branch
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | -3.62% | -2.95% | -2.80% | -2.29% | -1.15% | -0.63% | -4.73% | -193 bps | |
| Return on Equity | 2.36% | -35.01% | -29.02% | -27.52% | -21.37% | -11.02% | -6.05% | -58.61% | -3,109 bps | |
| Net Interest Margin | 4.23% | 3.66% | 3.74% | 3.95% | 4.10% | 4.11% | 4.06% | 4.50% | +55 bps | |
| Efficiency Ratio | 85.28% | 95.32% | 95.93% | 102.82% | 101.62% | 103.38% | 97.73% | 144.02% | +4,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | -3.00% | -4.84% | -7.86% | -9.22% | -13.93% | -11.10% | -13.02% | -516 bps | |
| Loan Growth (YoY) | 4.24% | 0.32% | -4.36% | -15.82% | -14.81% | -10.14% | -5.37% | -9.94% | +588 bps | |
| Share Growth (YoY) | -2.61% | -2.73% | -4.09% | -6.61% | -8.38% | -14.12% | -11.38% | -12.03% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.22% | 3.42% | 3.33% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.35% | 1.42% | 1.31% | 1.47% | 1.45% | 1.40% | 1.55% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.78% | 10.33% | 10.15% | 10.17% | 10.70% | 10.47% | 10.46% | 8.08% | -210 bps | |
| Net Worth / Assets | 11.78% | 10.33% | 10.15% | 10.17% | 10.70% | 10.47% | 10.46% | 8.08% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.38% | 81.44% | 81.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |