Eldora, IA · Charter 63982
NCUA · 1 branch
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.93% | 0.99% | 1.04% | 0.97% | 1.10% | 1.32% | 1.27% | +23 bps | |
| Return on Equity | 6.56% | 6.25% | 6.62% | 6.80% | 6.37% | 7.04% | 8.27% | 6.51% | -30 bps | |
| Net Interest Margin | 2.24% | 2.11% | 2.10% | 2.09% | 2.19% | 2.24% | 2.42% | 2.86% | +77 bps | |
| Efficiency Ratio | 56.84% | 56.01% | 53.12% | 50.27% | 55.40% | 50.81% | 45.21% | 55.65% | +538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.17% | 6.96% | 6.51% | 5.19% | 3.21% | 2.38% | 1.22% | -15.07% | -2,026 bps | |
| Loan Growth (YoY) | -2.89% | -4.57% | -0.19% | -2.90% | -5.57% | 5.39% | 15.08% | 17.95% | +2,085 bps | |
| Share Growth (YoY) | 11.97% | 7.03% | 6.52% | 4.87% | 2.58% | 1.46% | -0.06% | -19.24% | -2,410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.26% | 1.65% | 0.83% | 2.90% | 3.53% | 2.07% | 4.16% | +333 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 | 3.88% | 3.94% | 4.05% | 4.19% | 4.17% | 3.79% | 3.57% | 3.60% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.73% | 14.86% | 14.91% | 15.29% | 15.30% | 15.64% | 16.01% | 19.48% | +419 bps | |
| Net Worth / Assets | 14.73% | 14.86% | 14.91% | 15.29% | 15.30% | 15.64% | 16.01% | 19.48% | +419 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.19% | 34.65% | 33.37% | 32.75% | 32.39% | 36.00% | 38.43% | 47.83% | +1,508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |