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Denali Alaskan

Anchorage, AK · Charter 5912

NCUA · 15 branches

Q3 2018

$660.5MAssets
$597.6MLoans
$581.0MShares
$50.4MNet 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 0.24%, up 15 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 1.17% of loans (-26 bps YoY), with net charge-offs at 0.31%.
  • Capital: net worth / assets of 7.63%, up 20 bps from a year ago.
  • Funding: loans stand at 102.85% of shares as of Q3 2018.

Financial Results

Return on Assets (quarter, annualized)

0.24%+15 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+19 bps YoY

Efficiency Ratio (quarter, annualized)

76.08%-78 bps YoY

Net Worth / Assets

7.63%+20 bps YoY

Discrete quarter, annualized.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.09%0.23%0.64%0.54%0.24%+15 bps
Return on Equity1.21%3.09%8.40%7.15%3.14%+193 bps
Net Interest Margin4.71%4.73%4.72%4.73%4.89%+19 bps
Efficiency Ratio76.86%76.33%73.61%72.82%76.08%-78 bps
Growth
Asset Growth (YoY)2.46%-0.96%0.52%2.25%1.19%-126 bps
Loan Growth (YoY)5.54%0.08%3.00%5.02%4.24%-130 bps
Share Growth (YoY)4.03%2.79%3.35%3.69%3.02%-101 bps
Asset Quality
Delinquent Loans / Loans1.43%1.57%1.39%1.31%1.17%-26 bps
Net Charge-Offs / Loans0.42%0.39%0.35%0.33%0.31%-10 bps
Allowance / Loans1.71%1.72%1.70%1.69%1.73%+1 bps
Capital
Risk-Based Capital7.43%7.55%7.64%7.60%7.63%+20 bps
Net Worth / Assets7.43%7.55%7.64%7.60%7.63%+20 bps
Liquidity & Funding
Loans / Shares101.64%101.25%99.79%101.70%102.85%+121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps