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Community Hope

Lincoln, NE · Charter 24882

NCUA · 1 branch

Q3 2019

$289KAssets
$222KLoans
$319KShares
$-32KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -77.37%, down 1,161 bps year over year; NIM at 5.88%.
  • Asset quality: problem loans at 9.80% of loans (+650 bps YoY).
  • Capital: net worth / assets of -11.09%, down 6,061 bps from a year ago.
  • Funding: loans stand at 69.53% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-77.37%-1,161 bps YoY

Net Interest Margin (YTD, annualized)

5.88%+390 bps YoY

Efficiency Ratio (YTD, annualized)

1153%-112,698 bps YoY

Net Worth / Assets

-11.09%-6,061 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-65.76%-56.82%-51.59%-61.30%-77.37%-1,161 bps
Return on Equity-132.78%-185.71%-196.49%-357%n/an/a
Net Interest Margin1.98%2.44%5.03%5.95%5.88%+390 bps
Efficiency Ratio2280%1708%846%900%1153%-112,698 bps
Growth
Asset Growth (YoY)-8.11%2.70%6.17%-11.01%-13.53%-542 bps
Loan Growth (YoY)n/a1991%527%217%85.56%n/a
Share Growth (YoY)218%443%207%84.55%86.77%-13,150 bps
Asset Quality
Delinquent Loans / Loans3.30%6.38%3.66%1.95%9.80%+650 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.83%5.68%5.16%3.72%1.58%-425 bps
Capital
Risk-Based Capital49.52%30.60%26.25%17.19%-11.09%-6,061 bps
Net Worth / Assets49.52%30.60%26.25%17.19%-11.09%-6,061 bps
Liquidity & Funding
Loans / Shares69.99%65.62%68.28%78.13%69.53%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps