Leon, IA · Charter 65263
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 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.
Leon, IA · Charter 65263
Q2 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.62% | 0.85% | 0.66% | 0.39% | -15 bps | |
| Return on Equity | 2.62% | 2.90% | 4.01% | 2.83% | 1.64% | -97 bps | |
| Net Interest Margin | 2.98% | 3.02% | 3.03% | 3.37% | 2.95% | -3 bps | |
| Efficiency Ratio | 82.15% | 79.55% | 71.86% | 80.41% | 86.88% | +473 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.66% | 0.41% | 5.66% | -11.58% | -10.48% | -2,014 bps | |
| Loan Growth (YoY) | 1.53% | -1.53% | -6.51% | -11.76% | -14.66% | -1,619 bps | |
| Share Growth (YoY) | 10.92% | -0.45% | 6.09% | -15.65% | -14.21% | -2,512 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.24% | 1.97% | 0.39% | 0.39% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.57% | 5.77% | 5.98% | 6.57% | 6.56% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.35% | 21.29% | 21.27% | 23.31% | 23.57% | +323 bps | |
| Net Worth / Assets | 20.35% | 21.29% | 21.27% | 23.31% | 23.57% | +323 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.54% | 51.16% | 48.53% | 49.25% | 50.28% | -26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |