Scottsbluff, NE · Charter 6997
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.66% | -2.07% | -1.30% | -1.49% | -17.40% | -1,474 bps | |
| Return on Equity | -40.17% | -33.70% | -20.99% | -24.20% | -619% | -57,867 bps | |
| Net Interest Margin | 2.71% | 2.51% | 2.40% | 2.46% | 2.55% | -16 bps | |
| Efficiency Ratio | 150.46% | 132.11% | 114.54% | 115.12% | 497% | +34,672 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.46% | -10.79% | -2.15% | -3.76% | -18.32% | -86 bps | |
| Loan Growth (YoY) | -31.70% | -22.59% | -25.51% | -19.65% | -10.19% | +2,150 bps | |
| Share Growth (YoY) | -17.47% | -7.65% | -0.07% | -2.57% | -14.97% | +249 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.52% | 3.82% | 7.82% | 9.80% | 7.31% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.15% | 4.70% | 5.09% | 4.76% | 7.08% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.62% | 6.14% | 6.21% | 6.15% | 2.81% | -381 bps | |
| Net Worth / Assets | 6.62% | 6.14% | 6.21% | 6.15% | 2.81% | -381 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.93% | 42.73% | 38.96% | 41.42% | 47.45% | +252 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |