Urbana, IL · Charter 17080
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Urbana, IL · Charter 17080
NCUA · 1 branch
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | -0.04% | 0.04% | 0.14% | -0.53% | -78 bps | |
| Return on Equity | 3.50% | -0.61% | 0.61% | 1.92% | -7.49% | -1,098 bps | |
| Net Interest Margin | 2.11% | 2.06% | 2.17% | 2.20% | 2.29% | +18 bps | |
| Efficiency Ratio | 84.65% | 89.75% | 90.74% | 87.75% | 79.09% | -556 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.46% | 3.02% | 2.57% | 5.62% | 2.59% | -88 bps | |
| Loan Growth (YoY) | 2.13% | -1.56% | -2.57% | 2.33% | 2.29% | +16 bps | |
| Share Growth (YoY) | 3.65% | 3.20% | 2.62% | 5.97% | 2.82% | -82 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.70% | 0.73% | 1.96% | 1.99% | 0.61% | -109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.32% | 0.25% | 0.28% | 0.57% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.27% | 6.95% | 7.20% | 7.28% | 7.06% | -21 bps | |
| Net Worth / Assets | 7.27% | 6.95% | 7.20% | 7.28% | 7.06% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.70% | 39.83% | 41.70% | 43.62% | 42.48% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |