Des Moines, IA · Charter 64443
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Des Moines, IA · Charter 64443
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | 0.04% | 0.11% | 0.05% | 0.19% | +38 bps | |
| Return on Equity | -2.09% | 0.40% | 1.16% | 0.51% | 2.06% | +414 bps | |
| Net Interest Margin | 2.98% | 2.99% | 3.12% | 2.83% | 2.68% | -30 bps | |
| Efficiency Ratio | 95.71% | 90.68% | 89.06% | 98.49% | 94.72% | -98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.64% | 1.55% | -0.01% | -2.82% | 5.47% | +710 bps | |
| Loan Growth (YoY) | -5.59% | -11.49% | -13.84% | -18.52% | -18.68% | -1,308 bps | |
| Share Growth (YoY) | -1.82% | 1.91% | -0.18% | -3.20% | 6.25% | +807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 0.74% | 1.16% | 0.87% | 0.94% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.46% | 1.58% | 1.41% | 1.36% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.32% | 9.28% | 9.57% | 9.29% | 9.13% | -19 bps | |
| Net Worth / Assets | 9.32% | 9.28% | 9.57% | 9.29% | 9.13% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.91% | 47.34% | 46.48% | 40.84% | 38.96% | -1,194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |