Alliance, NE · Charter 60398
NCUA · 2 branches
Q2 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.39% | -0.62% | -0.73% | -1.22% | -0.72% | -33 bps | |
| Return on Equity | -4.15% | -6.46% | -7.85% | -13.48% | -7.62% | -346 bps | |
| Net Interest Margin | 3.50% | 3.70% | 3.65% | 3.49% | 3.64% | +15 bps | |
| Efficiency Ratio | 94.93% | 92.72% | 94.74% | 95.91% | 91.02% | -390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.45% | -10.28% | -8.05% | -6.29% | -10.02% | -157 bps | |
| Loan Growth (YoY) | -9.08% | -12.30% | -13.45% | -10.88% | -8.92% | +16 bps | |
| Share Growth (YoY) | -4.35% | -5.96% | -6.55% | -6.89% | -8.81% | -447 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.07% | 1.35% | 1.14% | 1.25% | 1.41% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.39% | 9.58% | 9.31% | 9.07% | 9.52% | +13 bps | |
| Net Worth / Assets | 9.39% | 9.58% | 9.31% | 9.07% | 9.52% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |