Granite City, IL · Charter 60147
NCUA · 1 branch
Q3 2021
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | -1.14% | -0.90% | -0.66% | -0.53% | +51 bps | |
| Return on Equity | -15.71% | -18.92% | -16.90% | -12.37% | -9.71% | +600 bps | |
| Net Interest Margin | 3.93% | 3.66% | 2.67% | 2.53% | 2.48% | -144 bps | |
| Efficiency Ratio | 95.34% | 98.54% | 114.56% | 112.16% | 103.65% | +831 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.49% | 13.53% | 18.44% | 7.73% | 6.69% | -780 bps | |
| Loan Growth (YoY) | -9.08% | -13.62% | -17.37% | -20.56% | -19.66% | -1,058 bps | |
| Share Growth (YoY) | 17.59% | 16.15% | 21.41% | 9.67% | 7.95% | -965 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.99% | 3.24% | 3.02% | 2.77% | 3.48% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.61% | 6.02% | 5.34% | 5.30% | 5.43% | -118 bps | |
| Net Worth / Assets | 6.61% | 6.02% | 5.34% | 5.30% | 5.43% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |