PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

R I D

Rock Island, IL · Charter 17238

Q2 2015

$3.8MAssets
$1.7MLoans
$3.5MShares
$320KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.88%, up 3 bps year over year; NIM at 1.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.40%, down 55 bps from a year ago.
  • Funding: loans stand at 48.89% of shares as of Q2 2015.

Financial Results

Return on Assets (quarter, annualized)

-0.88%+3 bps YoY

Net Interest Margin (quarter, annualized)

1.45%+7 bps YoY

Efficiency Ratio (quarter, annualized)

166.96%+997 bps YoY

Net Worth / Assets

8.40%-55 bps YoY

Discrete quarter, annualized.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.91%-0.85%-0.71%-1.30%-0.88%+3 bps
Return on Equity-10.21%-9.45%-8.08%-15.36%-10.48%-28 bps
Net Interest Margin1.38%1.44%1.44%1.26%1.45%+7 bps
Efficiency Ratio157.00%151.19%143.44%207%166.96%+997 bps
Growth
Asset Growth (YoY)-1.83%-2.71%-4.11%-2.92%-1.57%+27 bps
Loan Growth (YoY)23.60%32.60%34.29%16.31%4.39%-1,921 bps
Share Growth (YoY)-1.14%-2.10%-3.77%-2.41%-0.97%+17 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.58%0.62%0.57%0.54%-5 bps
Capital
Risk-Based Capital8.94%8.98%8.79%8.45%8.40%-55 bps
Net Worth / Assets8.94%8.98%8.79%8.45%8.40%-55 bps
Liquidity & Funding
Loans / Shares46.38%51.01%50.33%49.30%48.89%+251 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps