Fremont, NE · Charter 24280
NCUA · 3 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.05% | 0.09% | 0.19% | 0.19% | 0.22% | 0.33% | -0.31% | -50 bps | |
| Return on Equity | 0.38% | -0.49% | 0.92% | 1.91% | 2.01% | 2.31% | 3.54% | -3.23% | -514 bps | |
| Net Interest Margin | 2.57% | 2.51% | 2.53% | 2.58% | 2.52% | 2.45% | 2.48% | 2.08% | -50 bps | |
| Efficiency Ratio | 98.70% | 101.47% | 97.24% | 94.02% | 92.74% | 93.05% | 89.53% | 110.49% | +1,647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | 1.04% | 5.14% | 2.00% | 3.38% | 3.58% | 5.58% | -0.55% | -256 bps | |
| Loan Growth (YoY) | 1.23% | -4.58% | -5.09% | -4.29% | -5.04% | -4.05% | -4.45% | -1.71% | +258 bps | |
| Share Growth (YoY) | -0.29% | 3.77% | 5.64% | 2.00% | 3.51% | 3.66% | 5.83% | -0.26% | -226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.51% | 0.54% | 0.54% | 0.53% | 0.34% | 0.55% | 0.21% | -33 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 | 0.58% | 0.56% | 0.58% | 0.52% | 0.52% | 0.50% | 0.46% | 0.30% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.71% | 9.37% | 9.56% | 9.83% | 9.59% | 9.30% | 9.36% | 9.71% | -12 bps | |
| Net Worth / Assets | 9.71% | 9.37% | 9.56% | 9.83% | 9.59% | 9.30% | 9.36% | 9.71% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.05% | 46.21% | 45.77% | 46.80% | 45.00% | 42.77% | 41.33% | 46.12% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |