Kankakee, IL · Charter 2707
NCUA · 1 branch
Q3 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | -0.05% | 0.31% | 0.19% | -2.48% | -247 bps | |
| Return on Equity | -0.07% | -0.29% | 1.72% | 1.08% | -12.91% | -1,284 bps | |
| Net Interest Margin | 1.96% | 1.95% | 2.05% | 2.12% | 2.38% | +41 bps | |
| Efficiency Ratio | 100.46% | 101.82% | 90.23% | 93.59% | 173.88% | +7,342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.05% | -2.11% | -2.83% | -3.71% | -15.45% | -1,340 bps | |
| Loan Growth (YoY) | -22.84% | -11.01% | -9.81% | -1.78% | 1.33% | +2,417 bps | |
| Share Growth (YoY) | -2.19% | -2.54% | -3.53% | -4.65% | -17.67% | -1,548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 2.46% | 0.89% | 0.45% | 0.00% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.44% | 1.52% | 1.49% | 1.16% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.86% | 17.64% | 17.73% | 17.76% | 19.21% | +135 bps | |
| Net Worth / Assets | 17.86% | 17.64% | 17.73% | 17.76% | 19.21% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.30% | 20.30% | 19.36% | 19.70% | 23.76% | +445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |