Louisville, KY · Charter 61772
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.
Louisville, KY · Charter 61772
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 | 1.67% | 1.89% | 1.72% | 1.43% | 1.36% | -13.60% | -32.67% | -23.56% | -2,499 bps | |
| Return on Equity | 15.94% | 17.31% | 15.77% | 12.89% | 12.09% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.94% | 4.87% | 4.54% | 4.45% | 4.34% | 4.63% | 4.17% | 4.31% | -14 bps | |
| Efficiency Ratio | 64.99% | 63.14% | 63.92% | 69.40% | 69.66% | 315% | 669% | 448% | +37,891 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.36% | 10.25% | 9.62% | 7.68% | 5.80% | -7.03% | -24.41% | -34.49% | -4,217 bps | |
| Loan Growth (YoY) | -1.91% | -2.07% | -2.63% | -1.41% | -2.57% | -16.89% | -27.56% | -34.83% | -3,342 bps | |
| Share Growth (YoY) | 9.29% | 8.13% | 7.30% | 5.40% | 5.46% | 1.84% | -6.95% | -16.21% | -2,162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 2.50% | 1.54% | 1.65% | 1.75% | 9.04% | 4.10% | 2.97% | +132 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 | 1.83% | 1.46% | 1.37% | 1.40% | 1.45% | 2.88% | 3.81% | 3.84% | +245 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 10.91% | 10.89% | 11.12% | 11.28% | -1.86% | -10.39% | -14.25% | -2,537 bps | |
| Net Worth / Assets | 10.45% | 10.91% | 10.89% | 11.12% | 11.28% | -1.86% | -10.39% | -14.25% | -2,537 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.68% | 74.19% | 70.33% | 70.52% | 68.99% | 60.55% | 54.75% | 54.85% | -1,567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |