Denison, IA · Charter 61917
NCUA · 2 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.65% | 0.63% | 0.58% | 0.56% | 0.63% | 0.57% | -112.47% | -11,305 bps | |
| Return on Equity | 3.85% | 4.73% | 4.72% | 4.51% | 4.25% | 4.48% | 4.17% | n/a | n/a | |
| Net Interest Margin | 2.98% | 3.10% | 3.00% | 2.85% | 2.88% | 3.09% | 3.01% | 3.82% | +97 bps | |
| Efficiency Ratio | 91.40% | 89.69% | 89.63% | 89.55% | 89.93% | 89.43% | 90.18% | 1653% | +156,298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.25% | 3.61% | 6.31% | 5.51% | 5.63% | 2.43% | 1.40% | -24.92% | -3,043 bps | |
| Loan Growth (YoY) | -2.66% | 0.59% | 0.04% | -5.49% | -7.22% | 0.04% | 5.27% | 5.41% | +1,090 bps | |
| Share Growth (YoY) | 7.71% | 3.51% | 6.66% | 5.69% | 5.77% | 2.14% | 0.93% | -6.04% | -1,173 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.03% | 0.00% | 0.00% | 0.05% | 0.04% | 0.18% | 0.29% | +29 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 | 2.08% | 2.07% | 2.13% | 2.19% | 2.24% | 2.07% | 2.02% | 0.36% | -183 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.17% | 13.82% | 13.41% | 12.90% | 13.11% | 14.13% | 13.80% | -9.23% | -2,214 bps | |
| Net Worth / Assets | 13.17% | 13.82% | 13.41% | 12.90% | 13.11% | 14.13% | 13.80% | -9.23% | -2,214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.79% | 64.56% | 59.87% | 54.90% | 54.21% | 63.23% | 62.45% | 61.60% | +669 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |