Berea, KY · Charter 62389
NCUA · 1 branch
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | -1.05% | 0.01% | -0.09% | 0.08% | -6 bps | |
| Return on Equity | 1.23% | -8.88% | 0.07% | -0.78% | 0.73% | -49 bps | |
| Net Interest Margin | 4.87% | 5.30% | 4.79% | 5.06% | 5.06% | +19 bps | |
| Efficiency Ratio | 97.14% | 97.60% | 99.86% | 101.63% | 98.41% | +127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.88% | -5.01% | -0.18% | -1.60% | -3.68% | -555 bps | |
| Loan Growth (YoY) | -2.70% | 6.38% | 12.42% | 6.96% | -3.74% | -104 bps | |
| Share Growth (YoY) | 1.89% | -4.40% | 1.06% | -0.82% | -2.89% | -478 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.35% | 3.17% | 2.79% | 1.19% | 1.30% | -105 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.99% | 11.86% | 11.19% | 11.06% | 11.39% | -60 bps | |
| Net Worth / Assets | 11.99% | 11.86% | 11.19% | 11.06% | 11.39% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |