Milledgeville, IL · Charter 60344
NCUA · 1 branch
Q2 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -0.09% | -0.17% | 0.87% | 1.74% | +171 bps | |
| Return on Equity | 0.31% | -1.13% | -2.11% | 10.37% | 18.98% | +1,867 bps | |
| Net Interest Margin | 2.03% | 2.15% | 2.22% | 2.39% | 2.41% | +38 bps | |
| Efficiency Ratio | 99.16% | 103.12% | 105.72% | 112.38% | 103.30% | +414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | -1.38% | 1.43% | 3.09% | -2.79% | -905 bps | |
| Loan Growth (YoY) | 9.17% | 21.75% | 19.14% | 13.56% | -1.11% | -1,027 bps | |
| Share Growth (YoY) | 6.38% | -1.74% | 1.73% | 3.27% | -4.44% | -1,083 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.38% | 1.90% | 1.29% | 2.03% | 0.34% | -205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.41% | 3.10% | 3.25% | 2.56% | 0.96% | -245 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.24% | 8.23% | 8.17% | 8.35% | 9.16% | +92 bps | |
| Net Worth / Assets | 8.24% | 8.23% | 8.17% | 8.35% | 9.16% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.06% | 41.43% | 40.38% | 38.65% | 40.42% | +136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |