Salina, KS · Charter 63087
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 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.
Salina, KS · Charter 63087
NCUA · 1 branch
Q3 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.25% | 0.60% | 0.66% | 0.38% | 0.10% | 0.25% | -0.09% | -76 bps | |
| Return on Equity | 2.90% | 3.86% | 8.95% | 9.67% | 5.67% | 1.50% | 3.69% | -1.32% | -1,099 bps | |
| Net Interest Margin | 10.04% | 10.17% | 9.92% | 9.79% | 10.05% | 10.20% | 10.58% | 10.72% | +93 bps | |
| Efficiency Ratio | 98.35% | 97.71% | 94.60% | 93.97% | 96.62% | 99.14% | 97.92% | 100.74% | +677 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 4.22% | 11.26% | 3.23% | -1.21% | -0.30% | 0.92% | -3.95% | -718 bps | |
| Loan Growth (YoY) | 1.69% | -2.02% | 6.42% | 10.34% | -0.19% | 8.65% | 5.05% | -2.68% | -1,301 bps | |
| Share Growth (YoY) | -0.01% | 14.02% | 10.93% | 1.69% | 1.71% | -1.13% | -0.10% | -7.29% | -898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 2.52% | 3.33% | 2.51% | 1.22% | 1.37% | 1.31% | 3.76% | +125 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 | 0.67% | 0.72% | 0.66% | 0.65% | 0.68% | 0.66% | 0.63% | 0.76% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.28% | 6.57% | 6.71% | 6.86% | 6.74% | 6.92% | 6.85% | 6.94% | +8 bps | |
| Net Worth / Assets | 6.28% | 6.57% | 6.71% | 6.86% | 6.74% | 6.92% | 6.85% | 6.94% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.26% | 93.80% | 100.28% | 102.30% | 99.37% | 103.08% | 105.45% | 107.39% | +509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |