Des Plaines, IL · Charter 15479
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.68% | -0.56% | 0.01% | 0.02% | 0.00% | +68 bps | |
| Return on Equity | -1.69% | -1.39% | 0.02% | 0.04% | 0.00% | +169 bps | |
| Net Interest Margin | 1.85% | 1.83% | 1.77% | 1.50% | 0.00% | -185 bps | |
| Efficiency Ratio | 136.92% | 130.46% | 99.46% | 98.82% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.38% | -1.45% | -17.70% | -21.79% | -100.00% | -10,438 bps | |
| Loan Growth (YoY) | -17.57% | -20.26% | -20.81% | -27.77% | -100.00% | -8,243 bps | |
| Share Growth (YoY) | 8.58% | -1.47% | -29.38% | -35.67% | -100.00% | -10,858 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.51% | 11.84% | 13.97% | 15.90% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 40.51% | 40.11% | 49.80% | 50.44% | 100.00% | +5,949 bps | |
| Net Worth / Assets | 40.51% | 40.11% | 49.80% | 50.44% | 100.00% | +5,949 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 112.06% | 97.93% | 122.98% | 110.85% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |