Fort Smith, AR · Charter 19798
NCUA · 2 branches
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.28% | -0.36% | 0.04% | 0.12% | 0.14% | -1.48% | -0.64% | -67 bps | |
| Return on Equity | -0.39% | -1.93% | -2.67% | 0.26% | 0.87% | 1.02% | -12.05% | -5.06% | -533 bps | |
| Net Interest Margin | 3.41% | 3.45% | 3.37% | 3.45% | 3.57% | 3.59% | 3.23% | 3.30% | -14 bps | |
| Efficiency Ratio | 101.49% | 98.33% | 92.15% | 87.10% | 89.03% | 88.38% | 93.09% | 93.34% | +623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -0.90% | 1.92% | -0.77% | 3.03% | 3.84% | 6.68% | 4.36% | +513 bps | |
| Loan Growth (YoY) | -13.42% | -11.40% | -0.38% | 6.38% | 2.58% | -3.90% | -7.00% | -14.05% | -2,043 bps | |
| Share Growth (YoY) | -0.61% | -0.81% | 2.79% | -0.75% | 3.76% | 4.30% | 8.26% | 5.69% | +644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.10% | 0.02% | 0.22% | 0.47% | 2.79% | 0.96% | 0.01% | -21 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 | 0.11% | 0.00% | 0.45% | 0.57% | 0.39% | 0.03% | 0.19% | 0.70% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.58% | 14.48% | 13.61% | 13.68% | 14.02% | 14.09% | 12.29% | 12.59% | -109 bps | |
| Net Worth / Assets | 14.58% | 14.48% | 13.61% | 13.68% | 14.02% | 14.09% | 12.29% | 12.59% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.89% | 56.65% | 51.95% | 53.76% | 53.28% | 52.20% | 44.63% | 43.72% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |