Reno, NV · Charter 86754
NCUA · 1 branch
Q1 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.08% | 0.11% | -0.21% | -18.05% | -1,805 bps | |
| Return on Equity | 0.06% | -1.35% | 1.72% | -3.54% | -991% | -99,129 bps | |
| Net Interest Margin | 1.98% | 1.56% | 1.65% | 1.66% | 1.87% | -11 bps | |
| Efficiency Ratio | 99.73% | 103.80% | 95.26% | 109.15% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 24.18% | 47.10% | 46.15% | 38.29% | 19.18% | -500 bps | |
| Loan Growth (YoY) | -2.93% | -4.19% | 3.07% | 14.52% | -15.08% | -1,215 bps | |
| Share Growth (YoY) | 27.61% | 52.76% | 50.08% | 45.92% | 26.63% | -98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.30% | 0.05% | 0.57% | 0.20% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.91% | 5.17% | 4.81% | 4.48% | 5.13% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.61% | 6.23% | 6.18% | 6.01% | 1.82% | -579 bps | |
| Net Worth / Assets | 7.61% | 6.23% | 6.18% | 6.01% | 1.82% | -579 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.44% | 19.74% | 19.71% | 20.88% | 17.06% | -838 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |