Kewanee, IL · Charter 16313
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.16% | 0.75% | 0.29% | 0.45% | +15 bps | |
| Return on Equity | 1.97% | 1.06% | 4.85% | 1.66% | 2.34% | +36 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.22% | 2.39% | 2.57% | +59 bps | |
| Efficiency Ratio | 97.20% | 101.15% | 66.12% | 87.84% | 82.41% | -1,479 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.96% | -5.52% | -3.82% | -12.57% | -20.18% | -1,222 bps | |
| Loan Growth (YoY) | 14.17% | 6.80% | 0.85% | 5.57% | -4.74% | -1,892 bps | |
| Share Growth (YoY) | -9.75% | -6.70% | -4.91% | -15.19% | -23.97% | -1,421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.92% | 5.37% | 4.78% | 4.71% | 5.04% | +211 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.72% | 1.84% | 1.72% | 1.90% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.27% | 15.40% | 15.49% | 17.48% | 19.38% | +412 bps | |
| Net Worth / Assets | 15.27% | 15.40% | 15.49% | 17.48% | 19.38% | +412 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.40% | 41.16% | 41.06% | 51.10% | 54.38% | +1,097 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |