Fort Smith, AR · Charter 17163
NCUA · 3 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.14% | 0.53% | 0.37% | -0.38% | -0.73% | 0.23% | 0.21% | -16 bps | |
| Return on Equity | 0.33% | 1.26% | 4.42% | 3.13% | -3.20% | -6.03% | 1.79% | 1.64% | -149 bps | |
| Net Interest Margin | 4.10% | 4.65% | 4.77% | 4.69% | 4.94% | 4.97% | 4.99% | 4.94% | +25 bps | |
| Efficiency Ratio | 98.72% | 73.07% | 75.50% | 77.09% | 78.96% | 87.03% | 82.18% | 85.56% | +847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.26% | -15.41% | -14.90% | -14.22% | -16.46% | -11.63% | -10.00% | -9.78% | +445 bps | |
| Loan Growth (YoY) | 7.24% | 6.70% | 3.81% | -1.83% | -9.56% | -8.52% | -15.18% | -14.76% | -1,294 bps | |
| Share Growth (YoY) | -5.17% | -12.56% | -17.33% | -16.24% | -17.80% | -12.41% | -10.61% | -10.35% | +589 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0 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 | 0.17% | 0.80% | 0.42% | 0.19% | 1.02% | 1.45% | 1.55% | 1.71% | +152 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.11% | 11.29% | 11.89% | 11.80% | 11.73% | 12.16% | 12.63% | 12.53% | +73 bps | |
| Net Worth / Assets | 10.11% | 11.29% | 11.89% | 11.80% | 11.73% | 12.16% | 12.63% | 12.53% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.76% | 57.25% | 60.35% | 58.41% | 61.35% | 59.79% | 57.26% | 55.54% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |