Aberdeen, SD · Charter 6089
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Aberdeen, SD · Charter 6089
NCUA · 1 branch
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.04% | -0.16% | -0.19% | 0.44% | +49 bps | |
| Return on Equity | -0.68% | 0.54% | -2.17% | -2.78% | 5.64% | +632 bps | |
| Net Interest Margin | 3.42% | 3.49% | 3.63% | 3.63% | 4.00% | +58 bps | |
| Efficiency Ratio | 91.98% | 92.05% | 80.26% | 80.88% | 76.60% | -1,539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.12% | 6.47% | 7.05% | 6.43% | -1.05% | -816 bps | |
| Loan Growth (YoY) | -2.66% | -1.79% | 0.70% | 3.88% | 10.57% | +1,323 bps | |
| Share Growth (YoY) | 7.70% | 6.81% | 7.59% | 6.50% | -1.81% | -951 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 2.74% | 1.89% | 2.41% | 1.63% | -97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.31% | 0.72% | 0.82% | 0.73% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.34% | 7.45% | 7.20% | 7.01% | 7.83% | +49 bps | |
| Net Worth / Assets | 7.34% | 7.45% | 7.20% | 7.01% | 7.83% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.90% | 63.08% | 60.70% | 62.33% | 70.83% | +793 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |