Normal, IL · Charter 2037
NCUA · 2 branches
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.29% | 0.86% | 1.09% | 1.07% | 1.16% | 0.47% | 0.81% | -28 bps | |
| Return on Equity | 1.63% | 2.47% | 7.85% | 9.61% | 9.12% | 9.68% | 3.87% | 6.17% | -345 bps | |
| Net Interest Margin | 3.05% | 2.99% | 2.80% | 2.89% | 2.92% | 2.93% | 2.71% | 2.90% | +1 bps | |
| Efficiency Ratio | 83.43% | 82.41% | 70.78% | 65.81% | 67.45% | 66.49% | 86.77% | 78.92% | +1,312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.69% | 11.66% | 14.99% | 10.42% | 8.88% | 6.04% | -1.17% | -5.93% | -1,635 bps | |
| Loan Growth (YoY) | 7.26% | 5.03% | 9.24% | 5.17% | 1.17% | -1.26% | -6.28% | -4.32% | -950 bps | |
| Share Growth (YoY) | 16.63% | 12.75% | 16.37% | 10.89% | 8.90% | 5.70% | -1.45% | -6.39% | -1,728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.77% | 0.64% | 0.34% | 0.16% | 0.12% | 0.31% | 0.47% | +12 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 | 0.84% | 0.83% | 0.80% | 0.84% | 0.84% | 0.83% | 0.85% | 0.86% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.69% | 11.54% | 10.98% | 11.29% | 11.68% | 11.94% | 12.07% | 13.12% | +184 bps | |
| Net Worth / Assets | 11.69% | 11.54% | 10.98% | 11.29% | 11.68% | 11.94% | 12.07% | 13.12% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.56% | 81.30% | 76.34% | 77.82% | 77.63% | 75.94% | 72.61% | 79.54% | +172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |