Reno, NV · Charter 95778
NCUA · 2 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Reno, NV · Charter 95778
NCUA · 2 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.83% | 0.27% | 0.48% | 0.62% | 0.76% | 0.85% | 1.06% | +58 bps | |
| Return on Equity | 10.79% | 10.11% | 3.30% | 5.93% | 7.60% | 9.02% | 10.24% | 12.18% | +625 bps | |
| Net Interest Margin | 3.08% | 3.01% | 3.06% | 3.18% | 3.24% | 3.31% | 3.32% | 3.35% | +17 bps | |
| Efficiency Ratio | 88.13% | 87.17% | 93.81% | 89.44% | 86.47% | 83.63% | 81.16% | 77.44% | -1,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 9.03% | 10.00% | 8.37% | 10.81% | 7.07% | 8.33% | 5.77% | -260 bps | |
| Loan Growth (YoY) | -1.85% | 6.75% | 20.39% | 36.41% | 42.85% | 33.92% | 19.68% | 3.84% | -3,257 bps | |
| Share Growth (YoY) | 6.19% | 8.80% | 10.34% | 7.08% | 9.01% | 6.91% | 7.95% | 7.05% | -3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 1.71% | 2.30% | 2.12% | 1.88% | 2.47% | 1.84% | 1.31% | -82 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 | 0.79% | 0.85% | 0.75% | 0.71% | 0.69% | 0.71% | 0.67% | 0.61% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.32% | 8.23% | 8.06% | 8.07% | 8.14% | 8.44% | 8.32% | 8.66% | +59 bps | |
| Net Worth / Assets | 8.32% | 8.23% | 8.06% | 8.07% | 8.14% | 8.44% | 8.32% | 8.66% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.81% | 64.62% | 70.15% | 79.25% | 82.31% | 80.94% | 77.78% | 76.87% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |