Webster City, IA · Charter 61049
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.07% | 0.49% | 0.46% | 0.61% | -36 bps | |
| Return on Equity | 2.92% | 3.11% | 1.44% | 1.37% | 1.86% | -106 bps | |
| Net Interest Margin | 4.23% | 4.32% | 3.87% | 3.65% | 3.68% | -55 bps | |
| Efficiency Ratio | 77.06% | 75.25% | 87.22% | 87.52% | 83.30% | +624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | -1.12% | -1.96% | 2.13% | 3.73% | +528 bps | |
| Loan Growth (YoY) | -9.81% | -17.54% | -9.02% | -10.39% | 7.37% | +1,718 bps | |
| Share Growth (YoY) | -3.59% | -3.26% | -4.18% | 2.11% | 4.41% | +800 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.99% | 10.73% | 7.43% | 9.56% | 8.61% | +163 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.21% | 4.36% | 4.00% | 4.09% | 3.92% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.51% | 34.59% | 34.23% | 33.30% | 33.07% | -44 bps | |
| Net Worth / Assets | 33.51% | 34.59% | 34.23% | 33.30% | 33.07% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.85% | 41.96% | 44.90% | 41.93% | 43.03% | +119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |