PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

D-B Employees

Johnston City, IL · Charter 65753

Q2 2015

$226KAssets
$16KLoans
$190KShares
$36KNet 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 -1.52%, down 42 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.90%, down 380 bps from a year ago.
  • Funding: loans stand at 8.42% of shares as of Q2 2015.

Financial Results

Return on Assets (quarter, annualized)

-1.52%-42 bps YoY

Net Interest Margin (quarter, annualized)

1.57%+44 bps YoY

Efficiency Ratio (quarter, annualized)

196.67%-68 bps YoY

Net Worth / Assets

15.90%-380 bps YoY

Discrete quarter, annualized.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-1.10%-1.28%-2.64%-1.03%-1.52%-42 bps
Return on Equity-5.60%-6.46%-14.94%-6.12%-9.56%-396 bps
Net Interest Margin1.13%1.15%-0.03%2.01%1.57%+44 bps
Efficiency Ratio197.35%211%n/a151.36%196.67%-68 bps
Growth
Asset Growth (YoY)0.85%2.92%2.47%3.28%5.76%+491 bps
Loan Growth (YoY)-6.99%-12.68%-13.41%-8.84%-20.02%-1,303 bps
Share Growth (YoY)4.98%7.39%6.45%7.64%10.77%+579 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 / Loans14.55%14.04%15.59%16.22%20.16%+562 bps
Capital
Risk-Based Capital19.70%19.73%17.67%16.88%15.90%-380 bps
Net Worth / Assets19.70%19.73%17.67%16.88%15.90%-380 bps
Liquidity & Funding
Loans / Shares11.67%12.35%10.64%9.83%8.42%-324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps