Fort Dodge, IA · Charter 64117
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Fort Dodge, IA · Charter 64117
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.38% | -0.17% | 0.09% | -5.04% | -417 bps | |
| Return on Equity | -7.74% | -3.27% | -1.41% | 0.71% | -45.94% | -3,820 bps | |
| Net Interest Margin | 2.11% | 2.22% | 2.29% | 2.34% | 2.07% | -4 bps | |
| Efficiency Ratio | 96.56% | 96.04% | 94.44% | 89.46% | 269% | +17,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.26% | -1.21% | -3.95% | -3.46% | -5.17% | -643 bps | |
| Loan Growth (YoY) | -7.32% | -6.90% | -1.88% | 2.40% | 0.96% | +828 bps | |
| Share Growth (YoY) | 1.45% | -1.34% | -4.63% | -4.21% | -3.92% | -537 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.58% | 0.21% | 0.50% | 0.19% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.42% | 1.89% | 1.81% | 1.65% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.30% | 11.68% | 12.22% | 12.44% | 10.97% | -33 bps | |
| Net Worth / Assets | 11.30% | 11.68% | 12.22% | 12.44% | 10.97% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.77% | 23.73% | 25.80% | 26.13% | 23.93% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |