PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lauhoff Employees

Danville, IL · Charter 60334

NCUA · 2 branches

Q3 2019

$4.5MAssets
$3.1MLoans
$3.5MShares
$938KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.38%, up 56 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.03% of loans (-148 bps YoY).
  • Capital: net worth / assets of 20.90%, up 207 bps from a year ago.
  • Funding: loans stand at 88.17% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.38%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+65 bps YoY

Efficiency Ratio (YTD, annualized)

93.79%+23 bps YoY

Net Worth / Assets

20.90%+207 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.17%-0.65%-0.39%0.33%0.38%+56 bps
Return on Equity-0.92%-3.40%-2.13%1.87%1.83%+275 bps
Net Interest Margin3.99%4.12%3.87%3.79%4.64%+65 bps
Efficiency Ratio93.56%93.29%107.63%93.46%93.79%+23 bps
Growth
Asset Growth (YoY)-8.30%-13.03%-8.43%-1.25%-11.03%-273 bps
Loan Growth (YoY)2.81%-5.75%-1.98%-3.41%0.16%-265 bps
Share Growth (YoY)-10.03%-15.05%-9.56%-0.85%-13.30%-328 bps
Asset Quality
Delinquent Loans / Loans1.50%0.01%0.00%0.00%0.03%-148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.53%1.18%1.21%1.24%1.32%-21 bps
Capital
Risk-Based Capital18.84%19.13%18.34%17.84%20.90%+207 bps
Net Worth / Assets18.84%19.13%18.34%17.84%20.90%+207 bps
Liquidity & Funding
Loans / Shares76.32%76.35%72.30%69.12%88.17%+1,185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps