Rockford, IL · Charter 20690
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.14% | -0.15% | -0.20% | -0.12% | -0.17% | 0.06% | -0.38% | -17 bps | |
| Return on Equity | -0.40% | -1.59% | -1.72% | -2.33% | -1.35% | -2.08% | 0.64% | -4.43% | -210 bps | |
| Net Interest Margin | 2.46% | 2.03% | 2.21% | 2.26% | 2.30% | 2.20% | 2.16% | 2.17% | -8 bps | |
| Efficiency Ratio | 92.00% | 96.62% | 96.10% | 95.39% | 95.06% | 89.07% | 89.04% | 102.85% | +746 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 2.11% | 0.20% | 3.48% | 2.61% | 3.86% | 3.26% | 0.17% | -331 bps | |
| Loan Growth (YoY) | 10.38% | 6.77% | 0.18% | -1.24% | 2.58% | 7.47% | 17.99% | 11.55% | +1,279 bps | |
| Share Growth (YoY) | 5.05% | 2.41% | 0.42% | 3.93% | 3.00% | 4.38% | 3.63% | 0.57% | -336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.47% | 3.82% | 3.28% | 4.36% | 4.33% | 3.21% | 2.60% | -68 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 | 0.55% | 0.67% | 0.98% | 0.73% | 0.76% | 0.80% | 0.59% | 0.00% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.49% | 8.84% | 8.97% | 8.77% | 9.13% | 8.39% | 8.68% | 8.51% | -26 bps | |
| Net Worth / Assets | 9.49% | 8.84% | 8.97% | 8.77% | 9.13% | 8.39% | 8.68% | 8.51% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.76% | 38.51% | 39.97% | 39.69% | 43.58% | 39.65% | 45.51% | 44.03% | +433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |