Peoria, IL · Charter 60283
NCUA · 2 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Peoria, IL · Charter 60283
NCUA · 2 branches
Q1 2023
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.28% | -0.04% | -0.13% | -0.12% | 0.64% | 0.55% | -0.23% | -10 bps | |
| Return on Equity | -4.82% | -2.65% | -0.33% | -1.31% | -1.21% | 5.93% | 4.97% | -2.16% | -85 bps | |
| Net Interest Margin | 2.36% | 2.32% | 2.33% | 2.19% | 2.31% | 2.38% | 2.57% | 3.15% | +96 bps | |
| Efficiency Ratio | 114.27% | 107.23% | 100.86% | 103.68% | 103.44% | 85.41% | 87.51% | 105.45% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.18% | 10.90% | 10.30% | 5.59% | 4.62% | 3.18% | 1.53% | -2.99% | -858 bps | |
| Loan Growth (YoY) | -3.13% | -10.08% | -9.21% | -3.43% | -5.14% | -3.40% | -2.08% | -6.26% | -283 bps | |
| Share Growth (YoY) | 25.15% | 12.58% | 11.57% | 6.14% | 5.02% | 2.72% | 0.88% | -3.89% | -1,003 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.00% | 0.17% | 0.19% | 0.77% | 0.47% | 0.42% | 0.29% | +10 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 | 0.92% | 0.87% | 0.97% | 0.96% | 1.01% | 0.88% | 0.73% | 0.70% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.68% | 10.44% | 10.63% | 10.03% | 10.36% | 10.77% | 11.01% | 10.86% | +83 bps | |
| Net Worth / Assets | 10.68% | 10.44% | 10.63% | 10.03% | 10.36% | 10.77% | 11.01% | 10.86% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.61% | 52.70% | 51.14% | 48.66% | 48.43% | 49.55% | 49.64% | 47.46% | -120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |