Tryon, NE · Charter 24644
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Tryon, NE · Charter 24644
NCUA · 1 branch
Q2 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -0.77% | -0.52% | -0.59% | -0.97% | -1.33% | -2.40% | -2.51% | -192 bps | |
| Return on Equity | -11.59% | -12.67% | -8.72% | -10.16% | -17.36% | -23.45% | -45.24% | -53.64% | -4,349 bps | |
| Net Interest Margin | 2.95% | 3.15% | 2.96% | 3.02% | 3.10% | 3.31% | 3.08% | 2.94% | -9 bps | |
| Efficiency Ratio | 118.14% | 119.57% | 114.39% | 115.41% | 124.28% | 131.39% | 160.25% | 166.16% | +5,074 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.44% | -11.75% | -11.88% | -10.73% | -11.22% | -13.18% | -16.04% | -16.41% | -568 bps | |
| Loan Growth (YoY) | -21.38% | -17.96% | -12.44% | -12.02% | -13.51% | -21.27% | -17.51% | -19.69% | -768 bps | |
| Share Growth (YoY) | -3.07% | -11.78% | -11.99% | -10.70% | -11.09% | -12.87% | -15.48% | -15.45% | -475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.58% | 1.64% | 1.68% | 1.68% | 1.82% | 2.08% | 2.04% | 2.10% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.79% | 6.09% | 5.99% | 5.83% | 5.56% | 5.68% | 5.31% | 4.68% | -115 bps | |
| Net Worth / Assets | 5.79% | 6.09% | 5.99% | 5.83% | 5.56% | 5.68% | 5.31% | 4.68% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.66% | 54.43% | 53.28% | 53.09% | 50.26% | 49.18% | 52.00% | 50.43% | -266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |