PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Illinois

Macomb, IL · Charter 60519

NCUA · 2 branches

Q2 2022

$34.6MAssets
$13.6MLoans
$31.8MShares
$2.6MNet 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 -0.70%, down 13 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.47%, down 24 bps from a year ago.
  • Funding: loans stand at 42.69% of shares as of Q2 2022.

Financial Results

Return on Assets (quarter, annualized)

-0.70%-13 bps YoY

Net Interest Margin (quarter, annualized)

1.90%+26 bps YoY

Efficiency Ratio (quarter, annualized)

127.60%+130 bps YoY

Net Worth / Assets

7.47%-24 bps YoY

Discrete quarter, annualized.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.57%0.02%0.03%-0.21%-0.70%-13 bps
Return on Equity-7.36%0.27%0.33%-2.83%-9.31%-194 bps
Net Interest Margin1.64%1.68%1.69%1.60%1.90%+26 bps
Efficiency Ratio126.29%98.91%98.40%108.62%127.60%+130 bps
Growth
Asset Growth (YoY)15.42%7.45%3.72%3.74%-0.28%-1,569 bps
Loan Growth (YoY)-18.33%-12.70%-12.78%-6.36%5.07%+2,340 bps
Share Growth (YoY)16.74%7.96%3.78%3.53%-0.05%-1,678 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.35%1.46%1.52%1.56%1.48%+13 bps
Capital
Risk-Based Capital7.71%7.88%7.65%7.35%7.47%-24 bps
Net Worth / Assets7.71%7.88%7.65%7.35%7.47%-24 bps
Liquidity & Funding
Loans / Shares40.61%41.05%39.25%37.91%42.69%+208 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps