Mason City, IA · Charter 64468
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 | -1.41% | -0.91% | -2.35% | -1.76% | -6.64% | -523 bps | |
| Return on Equity | -3.78% | -2.35% | -5.88% | -4.39% | -16.53% | -1,275 bps | |
| Net Interest Margin | 8.72% | 8.98% | 8.27% | 8.32% | 9.11% | +39 bps | |
| Efficiency Ratio | 103.17% | 101.37% | 112.61% | 113.12% | 139.36% | +3,618 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.02% | -12.91% | -13.12% | -18.41% | -17.20% | -318 bps | |
| Loan Growth (YoY) | 3.30% | -0.17% | -7.33% | -7.54% | -19.00% | -2,230 bps | |
| Share Growth (YoY) | -19.10% | -20.15% | -18.16% | -25.51% | -21.21% | -211 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.90% | 9.92% | 5.80% | 9.12% | 15.65% | +875 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.30% | 1.71% | 1.55% | 1.13% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.21% | 38.83% | 39.98% | 40.01% | 40.18% | +297 bps | |
| Net Worth / Assets | 37.21% | 38.83% | 39.98% | 40.01% | 40.18% | +297 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 155.71% | 162.54% | 163.61% | 164.70% | 160.07% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |