Granite City, IL · Charter 60147
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Granite City, IL · Charter 60147
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -0.88% | -1.22% | -1.04% | -1.14% | -0.90% | -0.66% | -0.53% | +51 bps | |
| Return on Equity | -4.94% | -11.52% | -18.52% | -15.71% | -18.92% | -16.90% | -12.37% | -9.71% | +600 bps | |
| Net Interest Margin | 4.77% | 4.46% | 3.95% | 3.93% | 3.66% | 2.67% | 2.53% | 2.48% | -144 bps | |
| Efficiency Ratio | 85.94% | 91.49% | 92.17% | 95.34% | 98.54% | 114.56% | 112.16% | 103.65% | +831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 5.43% | 13.54% | 14.49% | 13.53% | 18.44% | 7.73% | 6.69% | -780 bps | |
| Loan Growth (YoY) | -4.93% | -7.05% | -6.52% | -9.08% | -13.62% | -17.37% | -20.56% | -19.66% | -1,058 bps | |
| Share Growth (YoY) | 6.10% | 7.06% | 14.98% | 17.59% | 16.15% | 21.41% | 9.67% | 7.95% | -965 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.70% | 2.47% | 1.54% | 1.74% | 1.41% | 0.85% | 2.85% | +131 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 | 2.14% | 2.64% | 3.37% | 2.99% | 3.24% | 3.02% | 2.77% | 3.48% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.13% | 7.61% | 6.59% | 6.61% | 6.02% | 5.34% | 5.30% | 5.43% | -118 bps | |
| Net Worth / Assets | 8.13% | 7.61% | 6.59% | 6.61% | 6.02% | 5.34% | 5.30% | 5.43% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.58% | 43.39% | 38.31% | 37.03% | 34.64% | 29.53% | 27.75% | 27.56% | -947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |