Evansville, IN · Charter 19888
NCUA · 1 branch
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.40% | 1.35% | 0.82% | 0.66% | 0.58% | 0.56% | -2.66% | -349 bps | |
| Return on Equity | 1.36% | 1.73% | 5.79% | 3.64% | 2.95% | 2.65% | 2.54% | -12.07% | -1,572 bps | |
| Net Interest Margin | 4.56% | 4.18% | 4.23% | 4.27% | 4.34% | 4.50% | 4.51% | 2.16% | -211 bps | |
| Efficiency Ratio | 104.27% | 106.94% | 101.61% | 102.17% | 100.50% | 87.44% | 87.92% | 210% | +10,808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.27% | -4.95% | 1.32% | 2.63% | 13.06% | 7.09% | 6.49% | -5.94% | -856 bps | |
| Loan Growth (YoY) | 4.13% | 14.17% | 8.04% | 8.54% | 9.74% | 8.19% | 7.08% | -8.56% | -1,711 bps | |
| Share Growth (YoY) | -14.54% | -6.84% | 0.52% | 2.32% | 16.10% | 8.21% | 8.08% | -5.52% | -783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.00% | 0.00% | 0.18% | 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 | 3.45% | 3.13% | 2.18% | 2.08% | 2.21% | 2.36% | 2.38% | 2.00% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.47% | 22.83% | 23.36% | 22.59% | 22.30% | 22.02% | 22.23% | 22.07% | -52 bps | |
| Net Worth / Assets | 24.47% | 22.83% | 23.36% | 22.59% | 22.30% | 22.02% | 22.23% | 22.07% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.78% | 66.03% | 66.48% | 71.83% | 70.69% | 66.01% | 65.87% | 69.51% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |