Oswego, IL · Charter 60173
NCUA · 1 branch
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.70% | -0.16% | 0.03% | -0.02% | 0.06% | +75 bps | |
| Return on Equity | -4.25% | -0.98% | 0.16% | -0.13% | 0.31% | +456 bps | |
| Net Interest Margin | 2.70% | 2.75% | 2.91% | 3.03% | 3.17% | +47 bps | |
| Efficiency Ratio | 120.95% | 104.91% | 99.21% | 100.66% | 98.46% | -2,249 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.95% | -4.65% | -5.73% | -6.63% | -8.16% | -521 bps | |
| Loan Growth (YoY) | -1.22% | 0.24% | 7.19% | 4.20% | 2.55% | +377 bps | |
| Share Growth (YoY) | -2.87% | -4.99% | -6.48% | -7.52% | -9.80% | -693 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.08% | 0.91% | 0.92% | 0.42% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.61% | 2.30% | 2.34% | 2.35% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.43% | 16.38% | 16.99% | 17.40% | 17.94% | +152 bps | |
| Net Worth / Assets | 16.43% | 16.38% | 16.99% | 17.40% | 17.94% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.22% | 61.55% | 68.25% | 68.82% | 70.74% | +852 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |