Dubuque, IA · Charter 64392
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 64392
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | -0.81% | -0.98% | -1.12% | -1.49% | -87 bps | |
| Return on Equity | -3.85% | -5.02% | -6.12% | -7.10% | -9.77% | -592 bps | |
| Net Interest Margin | 2.24% | 2.16% | 1.86% | 1.67% | 1.61% | -63 bps | |
| Efficiency Ratio | 127.82% | 137.66% | 152.79% | 167.20% | 175.86% | +4,804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.77% | 1.54% | -2.43% | -3.82% | -3.24% | +253 bps | |
| Loan Growth (YoY) | -30.85% | -39.86% | -39.19% | -39.82% | -8.75% | +2,210 bps | |
| Share Growth (YoY) | -6.12% | 2.10% | -1.81% | -3.26% | -2.17% | +394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.98% | 6.18% | 6.32% | 5.58% | 1.87% | -211 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.68% | 1.81% | 1.77% | 0.00% | -174 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.20% | 16.16% | 16.02% | 15.84% | 15.28% | -92 bps | |
| Net Worth / Assets | 16.20% | 16.16% | 16.02% | 15.84% | 15.28% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.81% | 30.37% | 28.17% | 29.04% | 32.47% | -234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |