Park Forest, IL · Charter 13253
NCUA · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 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.
Park Forest, IL · Charter 13253
NCUA · 1 branch
Q2 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -0.65% | -0.15% | -0.05% | -0.13% | -0.51% | 0.26% | -0.08% | -3 bps | |
| Return on Equity | -2.88% | -3.12% | -0.79% | -0.26% | -0.66% | -2.61% | 1.38% | -0.40% | -14 bps | |
| Net Interest Margin | 2.15% | 2.32% | 2.37% | 2.43% | 2.27% | 2.33% | 2.65% | 2.58% | +15 bps | |
| Efficiency Ratio | 116.54% | 117.94% | 106.31% | 102.02% | 105.20% | 109.92% | 90.43% | 102.93% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -3.81% | -2.65% | -0.57% | 3.20% | 4.59% | 2.83% | -1.13% | -56 bps | |
| Loan Growth (YoY) | -6.87% | 3.84% | -1.20% | -18.21% | -28.57% | -27.67% | -26.74% | -16.03% | +218 bps | |
| Share Growth (YoY) | 1.06% | -4.00% | -2.64% | -0.31% | 4.37% | 6.34% | 4.06% | -0.71% | -39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.32% | 2.51% | 4.78% | 4.18% | 2.15% | 1.53% | 0.00% | 0.00% | -418 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 | 2.73% | 2.73% | 3.26% | 4.05% | 2.12% | 2.95% | 3.77% | 3.82% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.25% | 20.89% | 19.64% | 19.46% | 19.34% | 19.46% | 18.71% | 19.17% | -29 bps | |
| Net Worth / Assets | 20.25% | 20.89% | 19.64% | 19.46% | 19.34% | 19.46% | 18.71% | 19.17% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.76% | 18.96% | 14.83% | 13.03% | 12.84% | 12.90% | 10.44% | 11.02% | -201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |