Long Grove, IL · Charter 20987
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.17% | -0.10% | -0.28% | 0.25% | 0.32% | 0.11% | -1.97% | -170 bps | |
| Return on Equity | -0.99% | -1.08% | -0.62% | -1.73% | 1.49% | 1.89% | 0.65% | -6.99% | -526 bps | |
| Net Interest Margin | 2.10% | 2.18% | 2.22% | 2.09% | 1.99% | 2.32% | 2.13% | 3.68% | +159 bps | |
| Efficiency Ratio | 107.84% | 108.02% | 104.55% | 113.22% | 87.56% | 86.34% | 94.82% | 121.65% | +843 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -3.68% | -2.26% | 1.23% | -3.03% | -3.99% | -5.01% | -47.17% | -4,840 bps | |
| Loan Growth (YoY) | 2.50% | -12.82% | -3.42% | -0.54% | -22.36% | -20.47% | -35.34% | -97.65% | -9,710 bps | |
| Share Growth (YoY) | -10.55% | -4.21% | -2.50% | 1.88% | -3.49% | -4.79% | -5.96% | -55.04% | -5,692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 3.18% | 3.93% | 2.60% | 3.34% | 3.65% | 3.72% | 69.17% | +6,658 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 | 0.70% | 0.82% | 0.73% | 0.37% | 0.46% | 0.52% | 0.56% | 100.00% | +9,963 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.32% | 16.15% | 16.22% | 15.96% | 16.65% | 16.78% | 16.94% | 28.24% | +1,228 bps | |
| Net Worth / Assets | 16.32% | 16.15% | 16.22% | 15.96% | 16.65% | 16.78% | 16.94% | 28.24% | +1,228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.12% | 23.58% | 26.63% | 25.31% | 21.82% | 19.70% | 18.31% | 1.32% | -2,398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |