Hutchinson, KS · Charter 67987
NCUA · 2 branches
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 | 0.15% | 0.20% | -0.09% | -0.23% | -0.24% | -0.12% | 0.08% | -0.30% | -7 bps | |
| Return on Equity | 2.11% | 2.81% | -1.22% | -3.34% | -3.46% | -1.72% | 1.15% | -4.56% | -122 bps | |
| Net Interest Margin | 2.98% | 3.06% | 2.91% | 2.95% | 3.00% | 3.02% | 2.80% | 3.07% | +12 bps | |
| Efficiency Ratio | 91.80% | 91.40% | 95.27% | 95.35% | 95.36% | 94.27% | 98.13% | 101.08% | +573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | -2.35% | -2.01% | 1.36% | 0.08% | 2.42% | 5.62% | 1.92% | +56 bps | |
| Loan Growth (YoY) | -1.96% | -2.47% | -3.52% | -5.44% | -3.74% | -1.11% | -0.74% | -1.68% | +376 bps | |
| Share Growth (YoY) | 1.64% | -3.05% | -2.45% | 1.41% | 0.38% | 3.07% | 6.42% | 1.21% | -19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.39% | 1.45% | 0.47% | 0.27% | 0.03% | 0.05% | 0.16% | -31 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 | 0.56% | 0.51% | 0.52% | 0.54% | 0.56% | 0.53% | 0.52% | 0.62% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.99% | 7.22% | 7.02% | 6.88% | 6.89% | 6.93% | 6.57% | 6.60% | -28 bps | |
| Net Worth / Assets | 6.99% | 7.22% | 7.02% | 6.88% | 6.89% | 6.93% | 6.57% | 6.60% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.98% | 67.53% | 63.89% | 63.48% | 65.19% | 64.79% | 59.59% | 61.66% | -181 bps | |
| Liquid Assets / Assets | 99.60% | 0.00% | 98.27% | 98.63% | 99.32% | 98.72% | 0.00% | 0.00% | -9,863 bps | |