Scottsbluff, NE · Charter 6997
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -3.12% | -3.72% | -2.66% | -2.07% | -1.30% | -1.49% | -17.40% | -1,474 bps | |
| Return on Equity | -7.93% | -38.53% | -50.55% | -40.17% | -33.70% | -20.99% | -24.20% | -619% | -57,867 bps | |
| Net Interest Margin | 3.86% | 3.82% | 3.66% | 2.71% | 2.51% | 2.40% | 2.46% | 2.55% | -16 bps | |
| Efficiency Ratio | 169.26% | 177.49% | 186.67% | 150.46% | 132.11% | 114.54% | 115.12% | 497% | +34,672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.56% | -22.86% | -23.73% | -17.46% | -10.79% | -2.15% | -3.76% | -18.32% | -86 bps | |
| Loan Growth (YoY) | -35.63% | -35.95% | -32.56% | -31.70% | -22.59% | -25.51% | -19.65% | -10.19% | +2,150 bps | |
| Share Growth (YoY) | -16.58% | -20.34% | -22.87% | -17.47% | -7.65% | -0.07% | -2.57% | -14.97% | +249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 4.76% | 4.66% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.42% | 4.07% | 4.95% | 6.15% | 4.70% | 5.09% | 4.76% | 7.08% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 8.11% | 7.35% | 6.62% | 6.14% | 6.21% | 6.15% | 2.81% | -381 bps | |
| Net Worth / Assets | 9.27% | 8.11% | 7.35% | 6.62% | 6.14% | 6.21% | 6.15% | 2.81% | -381 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.97% | 52.27% | 50.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |