PackageTrendsPeer
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Waterloo Police

Cedar Falls, IA · Charter 64469

Q2 2015

$2.1MAssets
$1.5MLoans
$1.8MShares
$354KNet 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 -0.30%, down 14 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.59%, up 93 bps from a year ago.
  • Funding: loans stand at 85.90% of shares as of Q2 2015.

Financial Results

Return on Assets (quarter, annualized)

-0.30%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.12%-9 bps YoY

Efficiency Ratio (quarter, annualized)

114.18%+690 bps YoY

Net Worth / Assets

16.59%+93 bps YoY

Discrete quarter, annualized.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.16%-0.23%-0.25%-0.43%-0.30%-14 bps
Return on Equity-1.04%-1.47%-1.54%-2.57%-1.83%-78 bps
Net Interest Margin2.21%2.21%2.22%2.10%2.12%-9 bps
Efficiency Ratio107.29%110.44%111.05%120.17%114.18%+690 bps
Growth
Asset Growth (YoY)-13.59%-9.32%-8.55%-9.33%-7.40%+619 bps
Loan Growth (YoY)-4.38%-8.12%-6.83%2.04%-4.27%+11 bps
Share Growth (YoY)-15.51%-10.61%-9.81%-10.65%-8.37%+714 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.61%0.61%0.58%0.60%+3 bps
Capital
Risk-Based Capital15.66%15.95%16.13%16.56%16.59%+93 bps
Net Worth / Assets15.66%15.95%16.13%16.56%16.59%+93 bps
Liquidity & Funding
Loans / Shares82.23%80.43%81.59%88.92%85.90%+368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps