Des Moines, IA · Charter 64339
NCUA · 2 branches
Q3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.19% | 0.09% | 0.05% | -0.28% | -0.05% | -0.13% | 0.34% | +30 bps | |
| Return on Equity | 0.37% | 1.83% | 1.00% | 0.48% | -2.98% | -0.54% | -1.43% | 3.59% | +312 bps | |
| Net Interest Margin | 2.66% | 2.64% | 2.70% | 2.80% | 2.74% | 2.50% | 2.52% | 2.44% | -37 bps | |
| Efficiency Ratio | 89.91% | 88.44% | 92.82% | 91.07% | 94.18% | 101.19% | 102.89% | 87.09% | -398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | -0.33% | -4.82% | -9.71% | -10.33% | -8.67% | -5.35% | -0.13% | +958 bps | |
| Loan Growth (YoY) | 4.60% | 10.53% | 6.55% | -0.05% | -0.43% | -4.77% | -0.53% | 2.26% | +231 bps | |
| Share Growth (YoY) | -0.40% | -1.99% | -6.01% | -11.93% | -11.38% | -9.57% | -10.55% | -4.56% | +737 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 2.16% | 2.76% | 2.05% | 1.72% | 1.17% | 1.15% | 1.10% | -95 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 | 0.44% | 0.46% | 0.81% | 0.78% | 1.08% | 1.02% | 1.00% | 1.12% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.09% | 10.30% | 9.15% | 9.56% | 9.28% | 9.35% | 9.27% | 9.52% | -4 bps | |
| Net Worth / Assets | 10.09% | 10.30% | 9.15% | 9.56% | 9.28% | 9.35% | 9.27% | 9.52% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.44% | 78.10% | 77.33% | 81.33% | 82.51% | 82.25% | 86.00% | 87.15% | +582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |