Davenport, IA · Charter 62974
NCUA · 1 branch
Q4 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | -0.14% | 0.13% | 0.07% | 0.09% | -47 bps | |
| Return on Equity | 4.27% | -1.08% | 1.00% | 0.52% | 0.69% | -358 bps | |
| Net Interest Margin | 3.13% | 2.80% | 2.93% | 2.98% | 3.05% | -8 bps | |
| Efficiency Ratio | 83.64% | 103.72% | 95.44% | 97.25% | 95.83% | +1,218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.57% | -7.45% | -3.89% | -2.53% | -4.76% | +1,381 bps | |
| Loan Growth (YoY) | -16.84% | -1.87% | 2.56% | 0.82% | 1.51% | +1,835 bps | |
| Share Growth (YoY) | -25.88% | -11.54% | -7.33% | -1.95% | -1.43% | +2,445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 0.41% | 0.34% | 0.24% | 0.15% | -168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 0.85% | 0.98% | 0.92% | 0.93% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.33% | 13.13% | 13.14% | 13.35% | 13.82% | +49 bps | |
| Net Worth / Assets | 13.33% | 13.13% | 13.14% | 13.35% | 13.82% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.86% | 72.21% | 75.60% | 78.66% | 78.13% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |