Dubuque, IA · Charter 64348
NCUA · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Dubuque, IA · Charter 64348
NCUA · 2 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.50% | -0.08% | 0.49% | 0.76% | 0.66% | -7.21% | -9.18% | -967 bps | |
| Return on Equity | 0.99% | -5.42% | -0.87% | 5.55% | 9.10% | 8.21% | -151.60% | -438% | -44,379 bps | |
| Net Interest Margin | 3.13% | 3.09% | 3.14% | 3.15% | 3.28% | 5.07% | 5.28% | 5.54% | +239 bps | |
| Efficiency Ratio | 97.21% | 112.79% | 101.91% | 87.45% | 79.28% | 69.41% | 75.17% | 75.45% | -1,201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | -6.03% | -2.73% | 12.13% | 26.11% | 34.65% | 26.11% | 7.66% | -447 bps | |
| Loan Growth (YoY) | -6.23% | 0.90% | 3.37% | 15.55% | 31.85% | 41.99% | 26.84% | 0.18% | -1,537 bps | |
| Share Growth (YoY) | 1.61% | -5.51% | -4.53% | 4.40% | 22.28% | 35.38% | 34.39% | 25.00% | +2,060 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.00% | 1.89% | 0.66% | 1.43% | 2.55% | 5.04% | 2.00% | +134 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 | 0.30% | 0.27% | 0.28% | 0.27% | 0.30% | 0.41% | 3.97% | 0.00% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.45% | 9.29% | 9.15% | 8.79% | 8.39% | 8.09% | 4.75% | 2.09% | -670 bps | |
| Net Worth / Assets | 9.45% | 9.29% | 9.15% | 8.79% | 8.39% | 8.09% | 4.75% | 2.09% | -670 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.28% | 91.26% | 92.58% | 101.68% | 97.35% | 95.72% | 87.38% | 81.49% | -2,019 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |