Reno, NV · Charter 86754
NCUA · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.09% | -0.08% | 0.00% | -0.08% | 0.11% | -0.21% | -18.05% | -1,805 bps | |
| Return on Equity | -2.95% | -0.99% | -0.97% | 0.06% | -1.35% | 1.72% | -3.54% | -991% | -99,129 bps | |
| Net Interest Margin | 2.48% | 2.39% | 2.30% | 1.98% | 1.56% | 1.65% | 1.66% | 1.87% | -11 bps | |
| Efficiency Ratio | 108.58% | 102.84% | 102.85% | 99.73% | 103.80% | 95.26% | 109.15% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 1.63% | 8.13% | 24.18% | 47.10% | 46.15% | 38.29% | 19.18% | -500 bps | |
| Loan Growth (YoY) | -9.84% | -12.50% | -14.81% | -2.93% | -4.19% | 3.07% | 14.52% | -15.08% | -1,215 bps | |
| Share Growth (YoY) | 6.94% | 5.27% | 8.76% | 27.61% | 52.76% | 50.08% | 45.92% | 26.63% | -98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.01% | 0.01% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 5.72% | 5.05% | 5.30% | 4.91% | 5.17% | 4.81% | 4.48% | 5.13% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.18% | 8.93% | 8.61% | 7.61% | 6.23% | 6.18% | 6.01% | 1.82% | -579 bps | |
| Net Worth / Assets | 9.18% | 8.93% | 8.61% | 7.61% | 6.23% | 6.18% | 6.01% | 1.82% | -579 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.47% | 28.70% | 26.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |