Rock Island, IL · Charter 60535
NCUA · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -0.07% | -0.09% | 0.00% | -0.46% | 0.09% | -0.04% | -3.82% | -383 bps | |
| Return on Equity | -7.84% | -0.93% | -1.17% | 0.06% | -6.54% | 1.28% | -0.54% | -88.49% | -8,855 bps | |
| Net Interest Margin | 3.22% | 2.66% | 2.76% | 2.69% | 2.68% | 2.59% | 2.56% | 2.85% | +16 bps | |
| Efficiency Ratio | 110.19% | 102.14% | 102.45% | 94.63% | 99.76% | 97.67% | 101.04% | 200% | +10,565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 19.68% | 9.26% | 13.14% | 11.47% | 0.80% | 7.03% | -2.25% | -1,539 bps | |
| Loan Growth (YoY) | -14.63% | -17.72% | -11.26% | -11.72% | -8.21% | -2.06% | -7.90% | -10.33% | +139 bps | |
| Share Growth (YoY) | 13.46% | 22.94% | 12.78% | 14.73% | 13.31% | 1.21% | 8.12% | 0.84% | -1,389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.45% | 0.51% | 0.47% | 0.00% | 0.26% | 0.00% | 0.15% | -32 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 | 0.59% | 0.70% | 0.68% | 1.74% | 1.66% | 1.72% | 1.57% | 1.63% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 7.72% | 7.98% | 7.49% | 6.98% | 6.97% | 6.77% | 4.32% | -317 bps | |
| Net Worth / Assets | 8.60% | 7.72% | 7.98% | 7.49% | 6.98% | 6.97% | 6.77% | 4.32% | -317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.91% | 43.07% | 44.94% | 42.47% | 42.05% | 41.68% | 38.28% | 37.76% | -470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |