Waterloo, IA · Charter 64019
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Waterloo, IA · Charter 64019
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.51% | 0.49% | 0.51% | -0.89% | -139 bps | |
| Return on Equity | 5.61% | 5.54% | 5.19% | 5.11% | -9.13% | -1,474 bps | |
| Net Interest Margin | 2.35% | 2.68% | 2.74% | 2.87% | 2.82% | +47 bps | |
| Efficiency Ratio | 86.81% | 87.45% | 87.50% | 86.97% | 121.77% | +3,495 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.04% | 4.29% | 2.22% | -3.07% | -7.56% | -1,060 bps | |
| Loan Growth (YoY) | -2.76% | -1.01% | 3.17% | 2.37% | 0.57% | +333 bps | |
| Share Growth (YoY) | 2.23% | 4.54% | 2.31% | -4.05% | -8.82% | -1,105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.64% | 0.99% | 1.33% | 1.10% | 1.62% | -102 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.69% | 0.67% | 0.59% | 0.62% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.90% | 9.11% | 9.42% | 9.93% | 9.78% | +88 bps | |
| Net Worth / Assets | 8.90% | 9.11% | 9.42% | 9.93% | 9.78% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.32% | 76.18% | 81.51% | 84.06% | 80.87% | +755 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |