Fort Wayne, IN · Charter 97055
NCUA · 4 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 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.
Fort Wayne, IN · Charter 97055
NCUA · 4 branches
Q3 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.53% | 0.50% | 0.51% | -0.06% | -56 bps | |
| Return on Equity | 5.20% | 5.40% | 5.30% | 5.22% | -0.61% | -580 bps | |
| Net Interest Margin | 2.90% | 2.94% | 2.97% | 3.15% | 3.29% | +39 bps | |
| Efficiency Ratio | 87.46% | 85.87% | 84.16% | 83.50% | 96.47% | +901 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.71% | 2.93% | 3.81% | 3.06% | -0.03% | -274 bps | |
| Loan Growth (YoY) | 8.88% | 15.06% | 19.59% | 25.74% | 20.54% | +1,166 bps | |
| Share Growth (YoY) | 2.38% | 2.79% | 3.60% | 2.80% | -0.47% | -285 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.23% | 0.10% | 1.03% | 0.49% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.18% | 0.17% | 0.23% | 0.26% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.60% | 9.73% | 9.38% | 9.76% | 9.72% | +11 bps | |
| Net Worth / Assets | 9.60% | 9.73% | 9.38% | 9.76% | 9.72% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.82% | 68.23% | 66.70% | 72.51% | 77.28% | +1,347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |