Northlake, IL · Charter 60439
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 | 0.03% | 0.01% | 0.04% | -0.22% | -0.16% | 0.85% | -0.78% | -2.12% | -190 bps | |
| Return on Equity | 0.32% | 0.07% | 0.44% | -2.53% | -1.74% | 9.06% | -8.67% | -25.78% | -2,326 bps | |
| Net Interest Margin | 4.25% | 4.34% | 3.82% | 3.77% | 4.12% | 4.24% | 3.51% | 3.08% | -69 bps | |
| Efficiency Ratio | 92.57% | 94.57% | 99.11% | 104.73% | 103.15% | 103.83% | 119.52% | 159.24% | +5,452 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | -2.15% | -2.60% | -4.06% | -8.70% | -6.74% | -6.37% | 0.66% | +472 bps | |
| Loan Growth (YoY) | -7.69% | -13.64% | -14.88% | -19.04% | -12.86% | -12.10% | -16.04% | -15.36% | +368 bps | |
| Share Growth (YoY) | -3.21% | -2.26% | -3.10% | -4.38% | -9.44% | -8.23% | -7.26% | 0.93% | +531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 3.23% | 4.63% | 4.29% | 5.66% | 3.43% | 3.83% | 4.22% | -7 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 | 5.90% | 6.10% | 6.60% | 7.40% | 6.85% | 4.01% | 3.43% | 3.81% | -359 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.42% | 8.79% | 8.62% | 8.59% | 9.08% | 9.42% | 9.00% | 8.22% | -36 bps | |
| Net Worth / Assets | 8.42% | 8.79% | 8.62% | 8.59% | 9.08% | 9.42% | 9.00% | 8.22% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.44% | 43.22% | 39.14% | 35.34% | 40.84% | 41.40% | 35.43% | 29.63% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |