Pekin, IL · Charter 60298
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Pekin, IL · Charter 60298
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.01% | -0.62% | -0.13% | -0.18% | -0.71% | 0.58% | 0.28% | +41 bps | |
| Return on Equity | 4.66% | 0.09% | -4.46% | -0.95% | -1.30% | -5.08% | 4.19% | 2.10% | +305 bps | |
| Net Interest Margin | 5.44% | 5.45% | 4.71% | 4.61% | 4.52% | 4.99% | 4.95% | 4.75% | +13 bps | |
| Efficiency Ratio | 87.76% | 95.34% | 99.46% | 96.15% | 94.93% | 89.90% | 89.21% | 94.57% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.54% | -9.25% | 0.22% | 5.18% | 7.77% | 2.99% | -1.35% | 0.99% | -419 bps | |
| Loan Growth (YoY) | 0.35% | -5.31% | -12.94% | -13.90% | -17.22% | -15.19% | -8.27% | -18.54% | -464 bps | |
| Share Growth (YoY) | -11.68% | -10.78% | 0.65% | 6.45% | 9.96% | 4.39% | -1.12% | 1.71% | -475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 6.52% | 7.06% | 7.10% | 8.14% | 1.04% | 4.55% | 2.77% | -433 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 | 1.96% | 2.31% | 2.75% | 2.80% | 3.17% | 1.05% | 2.38% | 2.76% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.50% | 15.07% | 14.00% | 14.00% | 13.76% | 13.92% | 13.80% | 13.40% | -60 bps | |
| Net Worth / Assets | 15.50% | 15.07% | 14.00% | 14.00% | 13.76% | 13.92% | 13.80% | 13.40% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.51% | 104.54% | 88.26% | 86.15% | 80.94% | 84.93% | 81.88% | 69.00% | -1,715 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |