Des Moines, IA · Charter 64308
NCUA · 4 branches
Q2 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.72% | 0.11% | 0.64% | 0.76% | -0.56% | 0.86% | 0.39% | -25 bps | |
| Return on Equity | 5.34% | 5.33% | 0.87% | 4.90% | 6.12% | -5.12% | 8.29% | 3.93% | -97 bps | |
| Net Interest Margin | 5.02% | 5.02% | 5.43% | 5.25% | 5.07% | 4.96% | 4.67% | 4.56% | -69 bps | |
| Efficiency Ratio | 75.17% | 76.32% | 82.05% | 75.29% | 72.43% | 94.12% | 73.91% | 87.95% | +1,266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 1.42% | -1.27% | 7.45% | 16.04% | 17.69% | 23.44% | 25.42% | +1,796 bps | |
| Loan Growth (YoY) | 15.16% | 20.54% | 20.36% | 29.07% | 27.60% | 23.91% | 30.31% | 25.38% | -368 bps | |
| Share Growth (YoY) | 4.55% | 0.85% | -2.12% | 7.91% | 17.72% | 19.33% | 25.72% | 28.12% | +2,021 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 1.78% | 0.95% | 1.46% | 2.28% | 1.17% | 1.15% | 1.26% | -20 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 | 1.68% | 1.70% | 1.47% | 1.62% | 1.65% | 1.54% | 1.52% | 1.39% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.63% | 13.59% | 13.22% | 13.00% | 12.49% | 10.99% | 10.38% | 9.81% | -319 bps | |
| Net Worth / Assets | 13.63% | 13.59% | 13.22% | 13.00% | 12.49% | 10.99% | 10.38% | 9.81% | -319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.78% | 96.17% | 92.84% | 98.19% | 98.39% | 99.86% | 96.24% | 96.09% | -210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |