Danville, IL · Charter 60213
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.01% | 0.05% | 0.11% | 0.56% | 0.81% | -0.47% | -2.39% | -250 bps | |
| Return on Equity | 0.56% | 0.05% | 0.47% | 1.05% | 5.48% | 7.95% | -4.94% | -27.24% | -2,829 bps | |
| Net Interest Margin | 3.70% | 3.67% | 3.48% | 2.80% | 2.78% | 2.68% | 2.74% | 2.54% | -26 bps | |
| Efficiency Ratio | 76.18% | 76.67% | 77.09% | 86.48% | 79.13% | 73.50% | 102.37% | 161.46% | +7,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 7.62% | 10.93% | 14.39% | 11.65% | 16.52% | 8.78% | 1.62% | -1,277 bps | |
| Loan Growth (YoY) | -7.90% | -13.49% | -15.19% | -13.89% | -13.08% | -13.91% | -14.61% | -14.54% | -64 bps | |
| Share Growth (YoY) | 4.01% | 8.54% | 12.22% | 16.08% | 12.66% | 17.76% | 10.47% | 3.10% | -1,298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.60% | 0.41% | 0.90% | 0.70% | 0.35% | 0.80% | 0.71% | -20 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 | 2.24% | 2.61% | 2.80% | 3.15% | 3.32% | 3.53% | 3.75% | 3.92% | +77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.05% | 11.09% | 10.77% | 10.03% | 10.19% | 10.17% | 9.44% | 8.78% | -125 bps | |
| Net Worth / Assets | 11.05% | 11.09% | 10.77% | 10.03% | 10.19% | 10.17% | 9.44% | 8.78% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.50% | 59.00% | 55.25% | 48.70% | 47.45% | 43.13% | 42.71% | 40.37% | -833 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |