PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eaton Employee's

Spencer, IA · Charter 65270

NCUA · 1 branch

Q3 2017

$1.4MAssets
$1.4MLoans
$1.3MShares
$20KNet 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 -21.33%, down 2,011 bps year over year; NIM at 6.03%.
  • Asset quality: problem loans at 22.69% of loans (+1,583 bps YoY).
  • Capital: net worth / assets of 1.41%, down 762 bps from a year ago.
  • Funding: loans stand at 104.70% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-21.33%-2,011 bps YoY

Net Interest Margin (YTD, annualized)

6.03%+171 bps YoY

Efficiency Ratio (YTD, annualized)

172.57%+9,361 bps YoY

Net Worth / Assets

1.41%-762 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.21%-0.81%0.16%0.13%-21.33%-2,011 bps
Return on Equity-13.42%-8.44%1.52%1.09%-1511%-149,719 bps
Net Interest Margin4.31%4.48%4.31%4.57%6.03%+171 bps
Efficiency Ratio78.96%79.44%88.87%89.37%172.57%+9,361 bps
Growth
Asset Growth (YoY)-11.77%-17.11%-22.74%-28.33%-47.31%-3,554 bps
Loan Growth (YoY)-6.74%-9.60%-8.70%-17.02%-28.77%-2,203 bps
Share Growth (YoY)-11.82%-18.24%-24.55%-30.49%-45.30%-3,348 bps
Asset Quality
Delinquent Loans / Loans6.86%7.44%6.91%12.92%22.69%+1,583 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.90%2.97%3.28%3.86%17.17%+1,428 bps
Capital
Risk-Based Capital9.04%9.61%10.78%12.17%1.41%-762 bps
Net Worth / Assets9.04%9.61%10.78%12.17%1.41%-762 bps
Liquidity & Funding
Loans / Shares80.41%82.12%90.63%89.80%104.70%+2,429 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps