Anchorage, AK · Charter 5912
NCUA · 15 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 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.
Anchorage, AK · Charter 5912
NCUA · 15 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 | 0.19% | 0.66% | 0.21% | 0.09% | 0.23% | 0.64% | 0.54% | 0.24% | +15 bps | |
| Return on Equity | 2.34% | 8.24% | 2.80% | 1.21% | 3.09% | 8.40% | 7.15% | 3.14% | +193 bps | |
| Net Interest Margin | 4.75% | 5.01% | 4.62% | 4.71% | 4.73% | 4.72% | 4.73% | 4.89% | +19 bps | |
| Efficiency Ratio | 79.11% | 69.00% | 77.33% | 76.86% | 76.33% | 73.61% | 72.82% | 76.08% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.03% | 7.53% | 2.79% | 2.46% | -0.96% | 0.52% | 2.25% | 1.19% | -126 bps | |
| Loan Growth (YoY) | 9.97% | 5.14% | 3.03% | 5.54% | 0.08% | 3.00% | 5.02% | 4.24% | -130 bps | |
| Share Growth (YoY) | 4.98% | 6.98% | 7.59% | 4.03% | 2.79% | 3.35% | 3.69% | 3.02% | -101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.16% | 1.32% | 1.43% | 1.57% | 1.39% | 1.31% | 1.17% | -26 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.47% | 0.44% | 0.42% | 0.39% | 0.35% | 0.33% | 0.31% | -10 bps | |
| Allowance / Loans | 1.32% | 1.79% | 1.82% | 1.71% | 1.72% | 1.70% | 1.69% | 1.73% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 7.97% | 7.43% | 7.43% | 7.55% | 7.64% | 7.60% | 7.63% | +20 bps | |
| Net Worth / Assets | 7.99% | 7.97% | 7.43% | 7.43% | 7.55% | 7.64% | 7.60% | 7.63% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.00% | 100.14% | 100.41% | 101.64% | 101.25% | 99.79% | 101.70% | 102.85% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |