Spencer, IA · Charter 65270
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Spencer, IA · Charter 65270
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.98% | 0.61% | -1.21% | -0.81% | 0.16% | 0.13% | -21.33% | -2,011 bps | |
| Return on Equity | 0.80% | 10.65% | 6.25% | -13.42% | -8.44% | 1.52% | 1.09% | -1511% | -149,719 bps | |
| Net Interest Margin | 3.80% | 4.65% | 4.29% | 4.31% | 4.48% | 4.31% | 4.57% | 6.03% | +171 bps | |
| Efficiency Ratio | 83.69% | 73.68% | 79.96% | 78.96% | 79.44% | 88.87% | 89.37% | 172.57% | +9,361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.27% | 3.68% | -1.83% | -11.77% | -17.11% | -22.74% | -28.33% | -47.31% | -3,554 bps | |
| Loan Growth (YoY) | 1.04% | 1.88% | -5.89% | -6.74% | -9.60% | -8.70% | -17.02% | -28.77% | -2,203 bps | |
| Share Growth (YoY) | 15.67% | 3.92% | -2.20% | -11.82% | -18.24% | -24.55% | -30.49% | -45.30% | -3,348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.09% | 7.72% | 5.02% | 6.86% | 7.44% | 6.91% | 12.92% | 22.69% | +1,583 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 | 4.03% | 3.65% | 0.86% | 2.90% | 2.97% | 3.28% | 3.86% | 17.17% | +1,428 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.64% | 9.24% | 9.71% | 9.04% | 9.61% | 10.78% | 12.17% | 1.41% | -762 bps | |
| Net Worth / Assets | 8.64% | 9.24% | 9.71% | 9.04% | 9.61% | 10.78% | 12.17% | 1.41% | -762 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.28% | 74.89% | 75.22% | 80.41% | 82.12% | 90.63% | 89.80% | 104.70% | +2,429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |