Mt. Vernon, IL · Charter 21344
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Mt. Vernon, IL · Charter 21344
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.19% | 0.23% | 0.32% | 0.32% | +14 bps | |
| Return on Equity | 2.85% | 2.98% | 3.48% | 4.95% | 4.83% | +198 bps | |
| Net Interest Margin | 3.06% | 3.14% | 3.14% | 2.94% | 2.99% | -7 bps | |
| Efficiency Ratio | 94.75% | 94.72% | 94.44% | 91.88% | 92.41% | -234 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.06% | 8.11% | 8.77% | 1.15% | -0.01% | -907 bps | |
| Loan Growth (YoY) | 0.38% | 0.93% | -7.29% | -8.31% | -6.47% | -684 bps | |
| Share Growth (YoY) | 9.49% | 8.44% | 9.13% | 0.96% | -0.33% | -981 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.02% | 0.03% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.12% | 0.13% | 0.11% | 0.10% | 0.06% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.29% | 6.48% | 6.55% | 6.55% | 6.58% | +29 bps | |
| Net Worth / Assets | 6.29% | 6.48% | 6.55% | 6.55% | 6.58% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.13% | 66.60% | 65.71% | 61.89% | 62.05% | -407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |