Leavenworth, KS · Charter 63209
NCUA · 3 branches
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.70% | -1.48% | -1.92% | -1.16% | -0.78% | +92 bps | |
| Return on Equity | -21.04% | -18.93% | -26.22% | -15.72% | -10.07% | +1,097 bps | |
| Net Interest Margin | 3.07% | 3.02% | 3.00% | 3.13% | 3.43% | +36 bps | |
| Efficiency Ratio | 126.04% | 125.61% | 124.39% | 119.87% | 115.54% | -1,050 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.06% | -5.88% | -6.13% | -5.17% | -5.43% | +263 bps | |
| Loan Growth (YoY) | 9.41% | 4.45% | 6.04% | 3.23% | 15.09% | +568 bps | |
| Share Growth (YoY) | -7.95% | -5.38% | -5.35% | -4.33% | -4.85% | +310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.11% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.39% | 0.89% | 0.81% | 0.54% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.10% | 7.81% | 7.31% | 7.36% | 7.75% | -35 bps | |
| Net Worth / Assets | 8.10% | 7.81% | 7.31% | 7.36% | 7.75% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.07% | 54.16% | 56.32% | 54.75% | 64.20% | +1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |