Danville, IL · Charter 60334
NCUA · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Danville, IL · Charter 60334
NCUA · 2 branches
Q3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.54% | 0.16% | -0.17% | -0.65% | -0.39% | 0.33% | 0.38% | +56 bps | |
| Return on Equity | 1.14% | -3.12% | 0.86% | -0.92% | -3.40% | -2.13% | 1.87% | 1.83% | +275 bps | |
| Net Interest Margin | 3.69% | 3.70% | 3.73% | 3.99% | 4.12% | 3.87% | 3.79% | 4.64% | +65 bps | |
| Efficiency Ratio | 95.95% | 110.84% | 96.93% | 93.56% | 93.29% | 107.63% | 93.46% | 93.79% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.63% | -1.19% | -6.54% | -8.30% | -13.03% | -8.43% | -1.25% | -11.03% | -273 bps | |
| Loan Growth (YoY) | -1.00% | -4.72% | -1.44% | 2.81% | -5.75% | -1.98% | -3.41% | 0.16% | -265 bps | |
| Share Growth (YoY) | 5.51% | -1.50% | -8.10% | -10.03% | -15.05% | -9.56% | -0.85% | -13.30% | -328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 1.35% | 3.61% | 1.50% | 0.01% | 0.00% | 0.00% | 0.03% | -148 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 | 1.85% | 1.95% | 1.93% | 1.53% | 1.18% | 1.21% | 1.24% | 1.32% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.20% | 17.32% | 18.18% | 18.84% | 19.13% | 18.34% | 17.84% | 20.90% | +207 bps | |
| Net Worth / Assets | 17.20% | 17.32% | 18.18% | 18.84% | 19.13% | 18.34% | 17.84% | 20.90% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.82% | 66.71% | 70.96% | 76.32% | 76.35% | 72.30% | 69.12% | 88.17% | +1,185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |