Council Bluffs, IA · Charter 68695
NCUA · 32 branches
Q1 2020
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 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.55% | 0.79% | 0.76% | 0.64% | 0.44% | -11 bps | |
| Return on Equity | 7.90% | 6.17% | 8.56% | 8.00% | 6.86% | 4.73% | -144 bps | |
| Net Interest Margin | 2.90% | 2.96% | 2.97% | 2.99% | 2.93% | 2.88% | -9 bps | |
| Efficiency Ratio | 69.60% | 72.35% | 68.77% | 69.65% | 70.51% | 74.86% | +251 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 0.63% | 3.32% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 2.68% | 4.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 2.57% | 4.25% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.94% | 0.94% | 0.91% | 0.96% | 0.90% | 0.76% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.87% | 0.88% | 0.88% | 0.87% | 0.87% | -1 bps | |
| Capital | ||||||||
| Risk-Based Capital | 8.75% | 8.97% | 9.24% | 9.46% | 9.33% | 9.27% | +31 bps | |
| Net Worth / Assets | 8.75% | 8.97% | 9.24% | 9.46% | 9.33% | 9.27% | +31 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 112.22% | 110.95% | 109.92% | 110.91% | 112.34% | 111.64% | +69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |