Niles, IL · Charter 60276
NCUA · 2 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.05% | 0.02% | 0.02% | -0.04% | -0.03% | -0.14% | 0.27% | +25 bps | |
| Return on Equity | 0.10% | 0.52% | 0.17% | 0.21% | -0.39% | -0.29% | -1.33% | 2.49% | +227 bps | |
| Net Interest Margin | 2.24% | 2.25% | 2.30% | 2.40% | 2.33% | 2.47% | 2.51% | 2.44% | +4 bps | |
| Efficiency Ratio | 96.27% | 95.44% | 94.97% | 95.16% | 97.09% | 95.83% | 94.47% | 92.48% | -268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | 0.59% | 1.97% | 0.21% | 1.05% | -3.12% | -5.50% | -4.90% | -511 bps | |
| Loan Growth (YoY) | 12.55% | 3.92% | 10.01% | 15.98% | 5.10% | 11.95% | 5.60% | 0.37% | -1,561 bps | |
| Share Growth (YoY) | -2.65% | 0.39% | 2.09% | -0.15% | 1.28% | -3.40% | -5.77% | -4.94% | -478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.43% | 0.09% | 0.14% | 0.04% | 0.19% | 0.11% | 0.23% | +8 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 | 0.48% | 0.46% | 0.47% | 0.53% | 0.47% | 0.51% | 0.46% | 0.45% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.46% | 10.40% | 10.33% | 10.51% | 10.34% | 10.68% | 10.79% | 10.97% | +46 bps | |
| Net Worth / Assets | 10.46% | 10.40% | 10.33% | 10.51% | 10.34% | 10.68% | 10.79% | 10.97% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.93% | 63.90% | 65.62% | 68.96% | 67.38% | 74.05% | 73.54% | 72.82% | +385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |