Warsaw, IN · Charter 68272
NCUA · 2 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.12% | 0.12% | 0.12% | 0.07% | 0.23% | 0.27% | 0.27% | +14 bps | |
| Return on Equity | 0.25% | 0.93% | 0.88% | 0.92% | 0.53% | 1.78% | 2.00% | 1.98% | +106 bps | |
| Net Interest Margin | 3.00% | 3.05% | 3.24% | 3.31% | 3.02% | 2.99% | 3.17% | 3.08% | -22 bps | |
| Efficiency Ratio | 97.82% | 93.66% | 93.37% | 92.81% | 96.61% | 89.55% | 88.49% | 88.58% | -423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | 6.82% | 1.38% | -5.34% | -1.20% | -0.77% | -2.34% | 1.13% | +647 bps | |
| Loan Growth (YoY) | 4.75% | 5.08% | -0.14% | 1.23% | -2.90% | -5.21% | -7.47% | -13.93% | -1,517 bps | |
| Share Growth (YoY) | 2.52% | 7.72% | 1.40% | -6.18% | -1.50% | -1.01% | -2.88% | 0.92% | +711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.54% | 0.47% | 0.21% | 0.09% | 0.53% | 0.67% | 0.43% | +22 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 | 0.82% | 0.98% | 0.77% | 0.86% | 0.88% | 1.16% | 1.23% | 1.10% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.40% | 13.11% | 13.38% | 12.52% | 12.67% | 13.66% | 13.50% | +12 bps | |
| Net Worth / Assets | 12.25% | 12.40% | 13.11% | 13.38% | 12.52% | 12.67% | 13.66% | 13.50% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.27% | 51.06% | 53.68% | 55.90% | 49.56% | 48.89% | 51.14% | 47.67% | -823 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |