Elkhart, IN · Charter 7699
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 | -0.46% | -0.48% | -0.45% | 0.08% | -0.06% | -0.10% | 0.05% | -0.15% | -22 bps | |
| Return on Equity | -1.90% | -1.93% | -1.81% | 0.30% | -0.25% | -0.36% | 0.17% | -0.52% | -82 bps | |
| Net Interest Margin | 1.57% | 1.64% | 1.69% | 1.80% | 1.77% | 1.85% | 1.89% | 1.81% | 0 bps | |
| Efficiency Ratio | 128.43% | 128.10% | 125.99% | 121.53% | 116.49% | 113.35% | 102.97% | 107.76% | -1,376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -5.98% | -5.70% | -8.25% | -7.73% | -7.30% | -8.05% | -7.89% | +36 bps | |
| Loan Growth (YoY) | 10.14% | 14.51% | 0.90% | -0.12% | 14.79% | 4.45% | 2.75% | 18.42% | +1,854 bps | |
| Share Growth (YoY) | -3.34% | -7.08% | -6.95% | -10.49% | -9.91% | -9.48% | -10.79% | -10.64% | -15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.04% | 1.03% | 1.34% | 1.03% | 1.05% | 1.21% | 1.20% | -14 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 | 2.73% | 2.70% | 2.64% | 2.39% | 2.01% | 2.18% | 1.84% | 1.71% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.27% | 24.58% | 25.11% | 26.04% | 26.05% | 26.35% | 27.35% | 28.25% | +221 bps | |
| Net Worth / Assets | 24.27% | 24.58% | 25.11% | 26.04% | 26.05% | 26.35% | 27.35% | 28.25% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.13% | 35.35% | 37.16% | 36.42% | 43.49% | 40.79% | 42.80% | 48.26% | +1,184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |