Kankakee, IL · Charter 60536
NCUA · 1 branch
Q3 2023
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.74% | 0.65% | 0.80% | -5.18% | -594 bps | |
| Return on Equity | 8.92% | 8.60% | 7.42% | 8.82% | -96.89% | -10,581 bps | |
| Net Interest Margin | 4.19% | 4.11% | 5.14% | 4.95% | 5.26% | +107 bps | |
| Efficiency Ratio | 88.82% | 88.66% | 75.92% | 74.90% | 169.81% | +8,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.55% | -4.41% | -6.64% | -0.35% | -6.29% | -174 bps | |
| Loan Growth (YoY) | 10.83% | 16.17% | 15.44% | 12.06% | 11.85% | +102 bps | |
| Share Growth (YoY) | -5.33% | -5.57% | -7.86% | -1.27% | -7.15% | -181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.72% | 0.69% | 0.15% | 0.24% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.44% | 0.80% | 0.52% | 0.60% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.48% | 8.58% | 8.75% | 9.06% | 5.35% | -313 bps | |
| Net Worth / Assets | 8.48% | 8.58% | 8.75% | 9.06% | 5.35% | -313 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.75% | 78.32% | 80.75% | 83.91% | 91.25% | +1,550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |