Columbus, NE · Charter 66144
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Columbus, NE · Charter 66144
NCUA · 2 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.51% | 0.49% | 0.55% | 0.53% | 0.29% | 0.28% | 0.39% | -16 bps | |
| Return on Equity | 5.10% | 2.66% | 2.52% | 2.77% | 2.59% | 1.41% | 1.33% | 1.82% | -94 bps | |
| Net Interest Margin | 2.64% | 2.06% | 2.15% | 2.15% | 2.21% | 2.06% | 2.10% | 2.17% | +2 bps | |
| Efficiency Ratio | 65.25% | 77.78% | 79.45% | 77.09% | 78.56% | 87.73% | 88.36% | 84.18% | +709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -0.84% | 0.76% | 1.30% | -1.40% | -2.82% | -3.60% | -4.82% | -612 bps | |
| Loan Growth (YoY) | -11.20% | -8.65% | -9.54% | -7.47% | -6.58% | -5.04% | -1.30% | -2.56% | +492 bps | |
| Share Growth (YoY) | -3.55% | -2.05% | -0.07% | 0.61% | -2.35% | -4.06% | -5.00% | -6.51% | -712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 1.51% | 0.47% | 0.58% | 0.44% | 0.71% | 0.25% | 0.29% | -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 | 1.05% | 1.07% | 1.24% | 1.14% | 1.22% | 1.16% | 1.16% | 1.14% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.66% | 19.27% | 19.61% | 19.95% | 20.47% | 20.29% | 20.76% | 21.37% | +141 bps | |
| Net Worth / Assets | 19.66% | 19.27% | 19.61% | 19.95% | 20.47% | 20.29% | 20.76% | 21.37% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.21% | 41.08% | 40.20% | 41.85% | 41.34% | 40.66% | 41.77% | 43.62% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |