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Younkers

Des Moines, IA · Charter 64339

NCUA · 2 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Younkers

Des Moines, IA · Charter 64339

NCUA · 2 branches

Q3 2019

$20.5MAssets
$14.9MLoans
$17.2MShares
$2.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.34%, up 30 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 1.10% of loans (-95 bps YoY).
  • Capital: net worth / assets of 9.52%, down 4 bps from a year ago.
  • Funding: loans stand at 87.15% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.34%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-37 bps YoY

Efficiency Ratio (YTD, annualized)

87.09%-398 bps YoY

Net Worth / Assets

9.52%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.05%-0.28%-0.05%-0.13%0.34%+30 bps
Return on Equity0.48%-2.98%-0.54%-1.43%3.59%+312 bps
Net Interest Margin2.80%2.74%2.50%2.52%2.44%-37 bps
Efficiency Ratio91.07%94.18%101.19%102.89%87.09%-398 bps
Growth
Asset Growth (YoY)-9.71%-10.33%-8.67%-5.35%-0.13%+958 bps
Loan Growth (YoY)-0.05%-0.43%-4.77%-0.53%2.26%+231 bps
Share Growth (YoY)-11.93%-11.38%-9.57%-10.55%-4.56%+737 bps
Asset Quality
Delinquent Loans / Loans2.05%1.72%1.17%1.15%1.10%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%1.08%1.02%1.00%1.12%+34 bps
Capital
Risk-Based Capital9.56%9.28%9.35%9.27%9.52%-4 bps
Net Worth / Assets9.56%9.28%9.35%9.27%9.52%-4 bps
Liquidity & Funding
Loans / Shares81.33%82.51%82.25%86.00%87.15%+582 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps