Arkansas City, KS · Charter 67826
NCUA · 1 branch
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.29% | 0.44% | 0.31% | 0.22% | 0.22% | 0.24% | -91.54% | -9,185 bps | |
| Return on Equity | 0.17% | 2.95% | 4.37% | 3.18% | 2.12% | 2.12% | 2.27% | n/a | n/a | |
| Net Interest Margin | 2.99% | 3.11% | 2.77% | 2.77% | 2.73% | 2.65% | 2.33% | 2.43% | -34 bps | |
| Efficiency Ratio | 66.13% | 66.05% | 75.94% | 72.80% | 76.31% | 77.61% | 89.63% | 2686% | +261,283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.64% | -4.51% | -5.34% | -5.75% | -6.95% | -3.51% | -3.54% | -17.52% | -1,177 bps | |
| Loan Growth (YoY) | 1.18% | 0.05% | 4.24% | -0.01% | -4.51% | -5.68% | -5.38% | -32.89% | -3,287 bps | |
| Share Growth (YoY) | -7.30% | -5.26% | -6.28% | -6.75% | -8.11% | -4.12% | -4.13% | 22.36% | +2,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.09% | 1.68% | 1.12% | 0.65% | 1.03% | 0.65% | 7.02% | +590 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 | 1.12% | 1.46% | 1.35% | 1.17% | 1.11% | 1.22% | 1.35% | 0.48% | -69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.65% | 10.08% | 9.80% | 10.24% | 10.22% | 10.62% | -33.82% | -4,362 bps | |
| Net Worth / Assets | 9.12% | 9.65% | 10.08% | 9.80% | 10.24% | 10.22% | 10.62% | -33.82% | -4,362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.69% | 64.16% | 64.94% | 60.63% | 64.10% | 63.12% | 64.09% | 33.26% | -2,738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |