Glasgow, KY · Charter 21657
NCUA · 1 branch
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.29% | 0.29% | 0.29% | 0.54% | 0.45% | 0.36% | -1.42% | -171 bps | |
| Return on Equity | 1.06% | 1.07% | 1.09% | 1.02% | 1.91% | 1.61% | 1.31% | -5.56% | -657 bps | |
| Net Interest Margin | 3.09% | 3.07% | 3.06% | 3.23% | 3.35% | 3.25% | 3.10% | 1.32% | -191 bps | |
| Efficiency Ratio | 91.03% | 91.16% | 91.07% | 91.74% | 84.98% | 87.13% | 89.20% | 192.89% | +10,116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | 3.18% | 4.25% | 1.93% | 0.19% | -1.45% | 0.63% | 4.93% | +300 bps | |
| Loan Growth (YoY) | 21.94% | 7.61% | 9.78% | 3.99% | 4.51% | -0.90% | -11.12% | -10.71% | -1,470 bps | |
| Share Growth (YoY) | 2.30% | 3.97% | 5.54% | 2.28% | -0.21% | -2.30% | 0.38% | 8.95% | +666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.57% | 0.00% | 0.00% | 0.31% | 0.11% | 0.27% | 0.15% | +15 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 | 1.37% | 1.37% | 1.31% | 1.29% | 1.31% | 1.38% | 1.47% | 1.34% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.73% | 27.10% | 27.00% | 28.37% | 28.02% | 27.85% | 27.15% | 25.61% | -275 bps | |
| Net Worth / Assets | 27.73% | 27.10% | 27.00% | 28.37% | 28.02% | 27.85% | 27.15% | 25.61% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.11% | 70.70% | 73.16% | 79.42% | 76.56% | 71.70% | 64.78% | 65.09% | -1,433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |