Watertown, SD · Charter 9233
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.16% | 0.03% | 0.13% | 0.27% | +21 bps | |
| Return on Equity | 0.66% | -1.93% | 0.39% | 1.50% | 3.19% | +253 bps | |
| Net Interest Margin | 2.39% | 2.20% | 2.28% | 2.36% | 2.31% | -8 bps | |
| Efficiency Ratio | 96.55% | 105.84% | 97.63% | 93.73% | 87.72% | -883 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.86% | 3.45% | 7.95% | 5.60% | 6.83% | -3 bps | |
| Loan Growth (YoY) | -19.28% | -11.38% | 6.75% | 21.59% | 32.86% | +5,214 bps | |
| Share Growth (YoY) | 7.44% | 3.78% | 8.76% | 6.05% | 7.23% | -21 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.05% | +105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.50% | 1.25% | 1.26% | 1.26% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.63% | 8.25% | 8.33% | 8.47% | 8.31% | -32 bps | |
| Net Worth / Assets | 8.63% | 8.25% | 8.33% | 8.47% | 8.31% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.07% | 50.19% | 60.76% | 61.55% | 59.56% | +1,149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |