Louisville, KY · Charter 23541
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Louisville, KY · Charter 23541
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.90% | 0.73% | 0.80% | 0.83% | -8 bps | |
| Return on Equity | 7.96% | 7.84% | 6.35% | 6.86% | 7.05% | -91 bps | |
| Net Interest Margin | 2.93% | 2.91% | 2.68% | 2.68% | 2.62% | -32 bps | |
| Efficiency Ratio | 75.48% | 74.64% | 80.14% | 78.48% | 78.58% | +310 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.18% | 6.34% | 5.68% | 3.69% | 4.47% | -271 bps | |
| Loan Growth (YoY) | 8.99% | 5.33% | 0.08% | -1.86% | -0.45% | -944 bps | |
| Share Growth (YoY) | 5.57% | 4.49% | 3.20% | 2.26% | 4.05% | -152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.57% | 0.43% | 0.53% | 0.54% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.79% | 0.76% | 0.72% | 0.60% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.52% | 11.45% | 11.70% | 11.77% | +36 bps | |
| Net Worth / Assets | 11.41% | 11.52% | 11.45% | 11.70% | 11.77% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.36% | 73.01% | 68.51% | 69.75% | 71.14% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |