Burlington, IA · Charter 64480
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Burlington, IA · Charter 64480
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.01% | 0.72% | 0.67% | 0.87% | -0.04% | 1.18% | 0.90% | +23 bps | |
| Return on Equity | 3.48% | 0.06% | 3.58% | 3.21% | 3.88% | -0.16% | 5.36% | 3.92% | +71 bps | |
| Net Interest Margin | 3.56% | 3.04% | 3.51% | 3.74% | 3.99% | 3.70% | 4.09% | 4.23% | +50 bps | |
| Efficiency Ratio | 79.98% | 99.60% | 79.58% | 82.11% | 78.24% | 100.95% | 71.08% | 78.84% | -327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 2.06% | 0.60% | -3.81% | -8.25% | -10.35% | -8.69% | -8.79% | -498 bps | |
| Loan Growth (YoY) | 15.06% | 8.30% | 4.52% | -2.12% | -4.66% | 9.28% | -0.05% | 4.48% | +659 bps | |
| Share Growth (YoY) | -1.74% | 2.48% | 0.58% | -4.91% | -10.56% | -12.86% | -10.95% | -11.17% | -626 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.20% | 0.14% | 0.30% | 0.00% | 1.03% | 1.61% | 0.00% | -30 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 | 1.00% | 1.04% | 0.98% | 1.04% | 1.05% | 0.99% | 1.02% | 1.03% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.50% | 19.58% | 20.07% | 20.80% | 22.42% | 21.80% | 22.05% | 22.85% | +205 bps | |
| Net Worth / Assets | 20.50% | 19.58% | 20.07% | 20.80% | 22.42% | 21.80% | 22.05% | 22.85% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.11% | 79.51% | 86.09% | 84.87% | 90.72% | 99.71% | 96.62% | 99.82% | +1,494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |