Berea, KY · Charter 62389
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Berea, KY · Charter 62389
NCUA · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.13% | 0.28% | 0.15% | -1.05% | 0.01% | -0.09% | 0.08% | -6 bps | |
| Return on Equity | 0.06% | 1.04% | 2.30% | 1.23% | -8.88% | 0.07% | -0.78% | 0.73% | -49 bps | |
| Net Interest Margin | 5.35% | 5.09% | 4.89% | 4.87% | 5.30% | 4.79% | 5.06% | 5.06% | +19 bps | |
| Efficiency Ratio | 104.33% | 97.64% | 94.71% | 97.14% | 97.60% | 99.86% | 101.63% | 98.41% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.93% | -4.06% | -0.05% | 1.88% | -5.01% | -0.18% | -1.60% | -3.68% | -555 bps | |
| Loan Growth (YoY) | -16.67% | -9.25% | -7.03% | -2.70% | 6.38% | 12.42% | 6.96% | -3.74% | -104 bps | |
| Share Growth (YoY) | -8.01% | -4.75% | -0.21% | 1.89% | -4.40% | 1.06% | -0.82% | -2.89% | -478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.51% | 3.55% | 3.80% | 3.77% | 3.17% | 3.06% | 0.51% | 0.00% | -377 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 | 3.04% | 2.24% | 2.37% | 2.35% | 3.17% | 2.79% | 1.19% | 1.30% | -105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 12.19% | 12.04% | 11.99% | 11.86% | 11.19% | 11.06% | 11.39% | -60 bps | |
| Net Worth / Assets | 12.26% | 12.19% | 12.04% | 11.99% | 11.86% | 11.19% | 11.06% | 11.39% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.51% | 69.75% | 64.91% | 65.94% | 72.90% | 77.59% | 70.00% | 65.36% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |