Dodge City, KS · Charter 67759
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | -1.59% | -0.78% | -2.65% | -9.30% | -960 bps | |
| Return on Equity | 2.47% | -13.12% | -6.58% | -25.72% | -249% | -25,151 bps | |
| Net Interest Margin | 3.79% | 3.74% | 3.55% | 3.64% | 3.64% | -15 bps | |
| Efficiency Ratio | 93.71% | 118.03% | 108.73% | 104.41% | 109.77% | +1,605 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.60% | -3.93% | -4.99% | -4.34% | -7.64% | -403 bps | |
| Loan Growth (YoY) | 10.72% | 9.22% | 5.30% | 1.76% | 1.58% | -914 bps | |
| Share Growth (YoY) | -4.50% | -4.22% | -4.74% | -2.24% | 0.90% | +540 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.05% | 2.76% | 3.64% | 3.80% | 4.46% | +141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.16% | 1.06% | 3.06% | 9.74% | +857 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.04% | 12.12% | 11.92% | 10.30% | 3.73% | -830 bps | |
| Net Worth / Assets | 12.04% | 12.12% | 11.92% | 10.30% | 3.73% | -830 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.74% | 91.24% | 92.02% | 95.14% | 92.36% | +62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |