East St Louis, IL · Charter 60185
NCUA · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -1.33% | -1.24% | -0.89% | -0.66% | -0.91% | -1.17% | -3.60% | -271 bps | |
| Return on Equity | -6.87% | -8.01% | -7.52% | -5.68% | -4.09% | -5.78% | -7.08% | -23.97% | -1,829 bps | |
| Net Interest Margin | 5.05% | 4.96% | 4.88% | 4.79% | 4.75% | 4.78% | 5.10% | 4.96% | +17 bps | |
| Efficiency Ratio | 114.41% | 116.23% | 114.98% | 110.94% | 108.11% | 108.81% | 106.14% | 112.03% | +109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.77% | 2.81% | 1.05% | -3.48% | -0.62% | 0.06% | -6.61% | -6.42% | -295 bps | |
| Loan Growth (YoY) | -13.85% | -12.52% | -12.73% | -10.46% | -6.50% | -1.68% | -7.74% | -7.35% | +311 bps | |
| Share Growth (YoY) | 6.79% | 4.75% | 2.81% | -2.73% | 0.41% | 1.17% | -6.61% | -5.64% | -291 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 4.11% | 1.95% | 3.02% | 2.30% | 2.12% | 4.39% | 2.23% | -80 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 | 1.58% | 1.41% | 0.91% | 1.06% | 0.74% | 0.04% | 0.62% | 2.76% | +170 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.91% | 16.64% | 16.54% | 15.74% | 16.04% | 15.72% | 16.54% | 15.03% | -71 bps | |
| Net Worth / Assets | 16.91% | 16.64% | 16.54% | 15.74% | 16.04% | 15.72% | 16.54% | 15.03% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.66% | 47.67% | 49.89% | 45.78% | 47.17% | 46.32% | 49.28% | 44.95% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |