Columbus, NE · Charter 66144
NCUA · 2 branches
Q3 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.53% | 0.29% | 0.28% | 0.39% | -16 bps | |
| Return on Equity | 2.77% | 2.59% | 1.41% | 1.33% | 1.82% | -94 bps | |
| Net Interest Margin | 2.15% | 2.21% | 2.06% | 2.10% | 2.17% | +2 bps | |
| Efficiency Ratio | 77.09% | 78.56% | 87.73% | 88.36% | 84.18% | +709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.30% | -1.40% | -2.82% | -3.60% | -4.82% | -612 bps | |
| Loan Growth (YoY) | -7.47% | -6.58% | -5.04% | -1.30% | -2.56% | +492 bps | |
| Share Growth (YoY) | 0.61% | -2.35% | -4.06% | -5.00% | -6.51% | -712 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.14% | 1.22% | 1.16% | 1.16% | 1.14% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.95% | 20.47% | 20.29% | 20.76% | 21.37% | +141 bps | |
| Net Worth / Assets | 19.95% | 20.47% | 20.29% | 20.76% | 21.37% | +141 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |