Menan, ID · Charter 82522
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Menan, ID · Charter 82522
NCUA · 1 branch
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.43% | -1.78% | -2.38% | -2.46% | -2.86% | -3.11% | -4.16% | -4.80% | -234 bps | |
| Return on Equity | -12.01% | -13.16% | -18.87% | -20.33% | -21.36% | -24.43% | -32.83% | -41.35% | -2,102 bps | |
| Net Interest Margin | 3.59% | 4.16% | 3.70% | 3.53% | 3.97% | 3.91% | 3.38% | 3.28% | -25 bps | |
| Efficiency Ratio | 133.45% | 136.19% | 159.82% | 164.18% | 165.47% | 172.20% | 215% | 232% | +6,803 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -12.49% | -9.80% | -10.02% | -26.06% | -14.56% | -22.49% | -23.59% | -1,357 bps | |
| Loan Growth (YoY) | -22.13% | -21.83% | -23.75% | -38.06% | -26.44% | -28.81% | -32.61% | -27.03% | +1,104 bps | |
| Share Growth (YoY) | -5.95% | -12.63% | -9.35% | -9.30% | -27.32% | -13.78% | -22.55% | -23.20% | -1,391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.40% | 1.26% | 1.41% | 0.00% | 0.00% | 4.12% | 0.00% | -141 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 | 4.14% | 4.54% | 4.98% | 6.08% | 5.82% | 6.59% | 7.63% | 8.60% | +252 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.91% | 13.55% | 12.62% | 12.08% | 13.37% | 12.74% | 12.66% | 11.60% | -48 bps | |
| Net Worth / Assets | 11.91% | 13.55% | 12.62% | 12.08% | 13.37% | 12.74% | 12.66% | 11.60% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.20% | 72.15% | 64.05% | 52.93% | 65.99% | 59.57% | 55.73% | 50.29% | -264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |