Alliance, NE · Charter 60398
NCUA · 2 branches
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.
Alliance, NE · Charter 60398
NCUA · 2 branches
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 | -0.06% | -0.69% | -0.43% | -0.39% | -0.62% | -0.73% | -1.22% | -0.72% | -33 bps | |
| Return on Equity | -0.59% | -7.47% | -4.56% | -4.15% | -6.46% | -7.85% | -13.48% | -7.62% | -346 bps | |
| Net Interest Margin | 3.40% | 3.49% | 3.42% | 3.50% | 3.70% | 3.65% | 3.49% | 3.64% | +15 bps | |
| Efficiency Ratio | 91.83% | 97.53% | 98.02% | 94.93% | 92.72% | 94.74% | 95.91% | 91.02% | -390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | -4.22% | -9.80% | -8.45% | -10.28% | -8.05% | -6.29% | -10.02% | -157 bps | |
| Loan Growth (YoY) | 10.10% | 3.83% | -4.96% | -9.08% | -12.30% | -13.45% | -10.88% | -8.92% | +16 bps | |
| Share Growth (YoY) | 1.01% | -0.51% | -2.79% | -4.35% | -5.96% | -6.55% | -6.89% | -8.81% | -447 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.50% | 1.21% | 1.42% | 1.88% | 1.26% | 0.56% | 0.60% | -82 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 | 0.68% | 0.86% | 1.01% | 1.07% | 1.35% | 1.14% | 1.25% | 1.41% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.64% | 9.23% | 9.37% | 9.39% | 9.58% | 9.31% | 9.07% | 9.52% | +13 bps | |
| Net Worth / Assets | 9.64% | 9.23% | 9.37% | 9.39% | 9.58% | 9.31% | 9.07% | 9.52% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.45% | 80.34% | 77.99% | 77.93% | 77.83% | 74.41% | 74.65% | 77.84% | -9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |