Urbandale, IA · Charter 64360
NCUA · 1 branch
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | -0.17% | -0.14% | -0.06% | 0.30% | -0.07% | -0.03% | -0.24% | -18 bps | |
| Return on Equity | -8.74% | -1.51% | -1.26% | -0.56% | 2.73% | -0.69% | -0.30% | -2.27% | -171 bps | |
| Net Interest Margin | 2.20% | 2.24% | 2.20% | 2.19% | 2.10% | 1.96% | 1.95% | 1.92% | -27 bps | |
| Efficiency Ratio | 102.56% | 105.69% | 104.67% | 102.05% | 90.89% | 102.11% | 100.85% | 107.66% | +561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.15% | -7.77% | -5.22% | -2.00% | 4.06% | 6.35% | 4.56% | 3.38% | +538 bps | |
| Loan Growth (YoY) | -5.82% | -7.99% | -7.00% | -1.53% | -3.10% | 1.68% | 1.31% | -8.83% | -731 bps | |
| Share Growth (YoY) | -4.79% | -7.72% | -4.84% | -1.20% | 4.23% | 6.81% | 4.71% | 3.63% | +483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 1.03% | 1.05% | 1.01% | 0.00% | 0 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 | 0.60% | 0.84% | 0.82% | 0.79% | 0.84% | 0.87% | 0.85% | 0.00% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 11.11% | 10.97% | 10.96% | 10.98% | 10.77% | 10.84% | 10.76% | -20 bps | |
| Net Worth / Assets | 11.11% | 11.11% | 10.97% | 10.96% | 10.98% | 10.77% | 10.84% | 10.76% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.17% | 42.63% | 43.65% | 45.36% | 41.99% | 40.58% | 42.23% | 39.90% | -545 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |