Dubuque, IA · Charter 64348
NCUA · 2 branches
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.76% | 0.66% | -7.21% | -9.18% | -967 bps | |
| Return on Equity | 5.55% | 9.10% | 8.21% | -151.60% | -438% | -44,379 bps | |
| Net Interest Margin | 3.15% | 3.28% | 5.07% | 5.28% | 5.54% | +239 bps | |
| Efficiency Ratio | 87.45% | 79.28% | 69.41% | 75.17% | 75.45% | -1,201 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.13% | 26.11% | 34.65% | 26.11% | 7.66% | -447 bps | |
| Loan Growth (YoY) | 15.55% | 31.85% | 41.99% | 26.84% | 0.18% | -1,537 bps | |
| Share Growth (YoY) | 4.40% | 22.28% | 35.38% | 34.39% | 25.00% | +2,060 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.27% | 0.30% | 0.41% | 3.97% | 0.00% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.79% | 8.39% | 8.09% | 4.75% | 2.09% | -670 bps | |
| Net Worth / Assets | 8.79% | 8.39% | 8.09% | 4.75% | 2.09% | -670 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |