Milledgeville, IL · Charter 60344
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -0.57% | 0.01% | 0.03% | -0.09% | -0.17% | 0.87% | 1.74% | +171 bps | |
| Return on Equity | -13.27% | -6.78% | 0.17% | 0.31% | -1.13% | -2.11% | 10.37% | 18.98% | +1,867 bps | |
| Net Interest Margin | 1.99% | 2.09% | 2.11% | 2.03% | 2.15% | 2.22% | 2.39% | 2.41% | +38 bps | |
| Efficiency Ratio | 102.28% | 105.18% | 99.55% | 99.16% | 103.12% | 105.72% | 112.38% | 103.30% | +414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.17% | 1.83% | -0.67% | 6.26% | -1.38% | 1.43% | 3.09% | -2.79% | -905 bps | |
| Loan Growth (YoY) | -24.70% | -18.08% | -7.41% | 9.17% | 21.75% | 19.14% | 13.56% | -1.11% | -1,027 bps | |
| Share Growth (YoY) | 11.56% | 2.87% | -0.31% | 6.38% | -1.74% | 1.73% | 3.27% | -4.44% | -1,083 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.75% | 4.23% | 2.79% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.38% | 3.50% | 3.88% | 3.41% | 3.10% | 3.25% | 2.56% | 0.96% | -245 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.95% | 8.46% | 8.56% | 8.24% | 8.23% | 8.17% | 8.35% | 9.16% | +92 bps | |
| Net Worth / Assets | 7.95% | 8.46% | 8.56% | 8.24% | 8.23% | 8.17% | 8.35% | 9.16% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.44% | 34.49% | 35.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |