Kankakee, IL · Charter 2707
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 0.08% | -0.12% | -0.01% | -0.05% | 0.31% | 0.19% | -2.48% | -247 bps | |
| Return on Equity | -2.17% | 0.46% | -0.68% | -0.07% | -0.29% | 1.72% | 1.08% | -12.91% | -1,284 bps | |
| Net Interest Margin | 2.00% | 1.89% | 1.88% | 1.96% | 1.95% | 2.05% | 2.12% | 2.38% | +41 bps | |
| Efficiency Ratio | 106.24% | 97.09% | 104.38% | 100.46% | 101.82% | 90.23% | 93.59% | 173.88% | +7,342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -2.96% | 2.67% | -2.05% | -2.11% | -2.83% | -3.71% | -15.45% | -1,340 bps | |
| Loan Growth (YoY) | -18.72% | -18.68% | -17.77% | -22.84% | -11.01% | -9.81% | -1.78% | 1.33% | +2,417 bps | |
| Share Growth (YoY) | -3.37% | -3.38% | 3.60% | -2.19% | -2.54% | -3.53% | -4.65% | -17.67% | -1,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.52% | 0.68% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.51% | 1.47% | 1.54% | 1.44% | 1.52% | 1.49% | 1.16% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.31% | 17.22% | 17.00% | 17.86% | 17.64% | 17.73% | 17.76% | 19.21% | +135 bps | |
| Net Worth / Assets | 17.31% | 17.22% | 17.00% | 17.86% | 17.64% | 17.73% | 17.76% | 19.21% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.24% | 20.71% | 19.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |