PackageTrendsPeer
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Polk County Schools Employees

Urbandale, IA · Charter 64360

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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 2026-10-11

Polk County Schools Employees

Urbandale, IA · Charter 64360

NCUA · 1 branch

Q3 2016

$10.9MAssets
$3.9MLoans
$9.7MShares
$1.2MNet 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 -0.24%, down 18 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.76%, down 20 bps from a year ago.
  • Funding: loans stand at 39.90% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-18 bps YoY

Net Interest Margin (YTD, annualized)

1.92%-27 bps YoY

Efficiency Ratio (YTD, annualized)

107.66%+561 bps YoY

Net Worth / Assets

10.76%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.06%0.30%-0.07%-0.03%-0.24%-18 bps
Return on Equity-0.56%2.73%-0.69%-0.30%-2.27%-171 bps
Net Interest Margin2.19%2.10%1.96%1.95%1.92%-27 bps
Efficiency Ratio102.05%90.89%102.11%100.85%107.66%+561 bps
Growth
Asset Growth (YoY)-2.00%4.06%6.35%4.56%3.38%+538 bps
Loan Growth (YoY)-1.53%-3.10%1.68%1.31%-8.83%-731 bps
Share Growth (YoY)-1.20%4.23%6.81%4.71%3.63%+483 bps
Asset Quality
Delinquent Loans / Loans0.00%1.03%1.05%1.01%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.84%0.87%0.85%0.00%-79 bps
Capital
Risk-Based Capital10.96%10.98%10.77%10.84%10.76%-20 bps
Net Worth / Assets10.96%10.98%10.77%10.84%10.76%-20 bps
Liquidity & Funding
Loans / Shares45.36%41.99%40.58%42.23%39.90%-545 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps