Davenport, IA · Charter 63945
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Davenport, IA · Charter 63945
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.86% | -0.61% | 0.32% | 0.41% | 0.56% | -6.70% | -5.47% | -3.51% | -392 bps | |
| Return on Equity | -15.92% | -5.39% | 2.76% | 3.62% | 4.87% | -67.81% | -62.60% | -39.66% | -4,328 bps | |
| Net Interest Margin | 1.16% | 1.42% | 1.45% | 1.38% | 1.35% | 1.59% | 1.38% | 1.34% | -5 bps | |
| Efficiency Ratio | 78.79% | 143.08% | 78.07% | 70.14% | 60.21% | 88.66% | 83.28% | 62.82% | -731 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.75% | -6.46% | -2.89% | 6.18% | 6.62% | 4.84% | 4.32% | 1.75% | -443 bps | |
| Loan Growth (YoY) | -19.76% | -3.33% | 6.22% | 13.36% | 6.53% | -2.45% | -6.11% | -9.44% | -2,280 bps | |
| Share Growth (YoY) | -4.62% | -5.22% | -3.58% | 6.53% | 6.81% | 6.61% | 7.64% | 4.72% | -181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.04% | 3.43% | 3.91% | 5.50% | 7.23% | 4.37% | 11.42% | 8.98% | +348 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 | 3.74% | 3.38% | 3.40% | 3.18% | 0.45% | 3.40% | 7.35% | 9.17% | +599 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.69% | 11.38% | 11.54% | 11.42% | 11.52% | 9.89% | 8.73% | 8.85% | -257 bps | |
| Net Worth / Assets | 11.69% | 11.38% | 11.54% | 11.42% | 11.52% | 9.89% | 8.73% | 8.85% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.64% | 39.03% | 38.49% | 39.24% | 35.55% | 35.72% | 33.58% | 33.93% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |