Des Moines, IA · Charter 60033
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.12% | 0.33% | 0.29% | 0.39% | 0.35% | 0.28% | 0.01% | -29 bps | |
| Return on Equity | 0.95% | 1.32% | 3.59% | 3.35% | 4.16% | 3.67% | 3.06% | 0.07% | -327 bps | |
| Net Interest Margin | 1.64% | 1.70% | 1.64% | 1.61% | 1.69% | 1.71% | 1.68% | 1.61% | 0 bps | |
| Efficiency Ratio | 95.93% | 94.29% | 86.16% | 85.03% | 81.66% | 83.72% | 86.75% | 99.68% | +1,465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.04% | -0.72% | 4.72% | 0.17% | -1.43% | 0.40% | 2.60% | 4.34% | +418 bps | |
| Loan Growth (YoY) | -2.37% | -2.52% | -2.93% | -4.82% | -0.26% | -0.37% | 1.04% | 0.91% | +573 bps | |
| Share Growth (YoY) | -1.30% | -0.94% | 4.56% | -0.25% | -2.10% | -0.14% | 2.66% | 4.34% | +459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.13% | 0.11% | 0.09% | 0.00% | 0.00% | -13 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 | 0.59% | 0.59% | 0.60% | 0.62% | 0.59% | 0.59% | 0.59% | 0.61% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.99% | 9.05% | 8.80% | 9.34% | 9.45% | 9.10% | 8.62% | -17 bps | |
| Net Worth / Assets | 8.74% | 8.99% | 9.05% | 8.80% | 9.34% | 9.45% | 9.10% | 8.62% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.60% | 37.45% | 36.09% | 33.65% | 37.28% | 37.36% | 35.52% | 32.55% | -111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |