Monroe, IN · Charter 95812
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Monroe, IN · Charter 95812
NCUA · 1 branch
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.18% | 1.31% | 0.99% | 1.37% | 1.33% | 1.30% | 1.23% | +23 bps | |
| Return on Equity | 5.44% | 5.51% | 5.93% | 4.65% | 6.45% | 5.98% | 5.86% | 5.39% | +74 bps | |
| Net Interest Margin | 2.24% | 2.46% | 2.59% | 2.24% | 2.59% | 2.67% | 2.69% | 2.73% | +49 bps | |
| Efficiency Ratio | 52.22% | 51.86% | 49.44% | 55.76% | 47.31% | 50.18% | 51.61% | 55.05% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | -1.62% | -3.98% | -1.82% | -2.22% | 1.46% | 4.22% | -0.92% | +90 bps | |
| Loan Growth (YoY) | 7.34% | 5.37% | 11.58% | 11.15% | 8.59% | -0.31% | -10.46% | -9.67% | -2,082 bps | |
| Share Growth (YoY) | 1.94% | -3.38% | -6.41% | -3.47% | -4.02% | 0.45% | 4.05% | -2.72% | +75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 0.87% | 1.59% | 1.42% | 1.87% | 2.47% | 1.88% | 1.97% | +55 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 | 2.41% | 2.23% | 2.04% | 2.10% | 2.19% | 2.27% | 2.34% | 2.39% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.71% | 21.44% | 22.08% | 21.33% | 21.20% | 22.22% | 22.21% | 22.76% | +143 bps | |
| Net Worth / Assets | 19.71% | 21.44% | 22.08% | 21.33% | 21.20% | 22.22% | 22.21% | 22.76% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.77% | 90.57% | 101.17% | 93.70% | 87.98% | 89.88% | 87.07% | 87.01% | -669 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |