Winfield, KS · Charter 67821
NCUA · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | 0.04% | 0.67% | -0.30% | 0.63% | 1.08% | 1.53% | -119.96% | -11,965 bps | |
| Return on Equity | -1.77% | 0.34% | 5.29% | -2.41% | 4.20% | 6.73% | 8.83% | n/a | n/a | |
| Net Interest Margin | 3.82% | 3.63% | 3.77% | 3.75% | 4.61% | 4.75% | 5.20% | 2.93% | -82 bps | |
| Efficiency Ratio | 90.10% | 89.75% | 81.33% | 81.90% | 78.83% | 76.26% | 72.30% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.93% | 16.92% | 0.21% | 4.96% | -9.62% | -15.63% | -19.74% | -38.22% | -4,318 bps | |
| Loan Growth (YoY) | 10.08% | 11.54% | 8.11% | 6.75% | 0.41% | -18.30% | -19.70% | -47.23% | -5,398 bps | |
| Share Growth (YoY) | 23.12% | 23.07% | -0.59% | 5.03% | -12.16% | -16.77% | -23.87% | -23.75% | -2,878 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 0.69% | 0.54% | 2.35% | 0.58% | 3.77% | 4.60% | 10.46% | +810 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 | 0.53% | 0.56% | 0.68% | 0.68% | 0.79% | 0.85% | 0.94% | 1.42% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.39% | 12.16% | 12.65% | 12.62% | 14.91% | 15.98% | 17.30% | -7.44% | -2,006 bps | |
| Net Worth / Assets | 12.39% | 12.16% | 12.65% | 12.62% | 14.91% | 15.98% | 17.30% | -7.44% | -2,006 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.13% | 98.37% | 92.64% | 89.07% | 98.47% | 96.56% | 97.72% | 61.64% | -2,743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |