Kankakee, IL · Charter 60536
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.94% | 0.79% | 0.76% | 0.74% | 0.65% | 0.80% | -5.18% | -594 bps | |
| Return on Equity | 6.97% | 12.43% | 9.56% | 8.92% | 8.60% | 7.42% | 8.82% | -96.89% | -10,581 bps | |
| Net Interest Margin | 3.64% | 3.73% | 4.04% | 4.19% | 4.11% | 5.14% | 4.95% | 5.26% | +107 bps | |
| Efficiency Ratio | 89.15% | 85.24% | 88.83% | 88.82% | 88.66% | 75.92% | 74.90% | 169.81% | +8,100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.52% | 7.54% | -4.75% | -4.55% | -4.41% | -6.64% | -0.35% | -6.29% | -174 bps | |
| Loan Growth (YoY) | 2.02% | 6.23% | 11.21% | 10.83% | 16.17% | 15.44% | 12.06% | 11.85% | +102 bps | |
| Share Growth (YoY) | 15.09% | 7.57% | -5.74% | -5.33% | -5.57% | -7.86% | -1.27% | -7.15% | -181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.57% | 0.38% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.73% | 0.68% | 0.69% | 0.44% | 0.80% | 0.52% | 0.60% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.50% | 7.57% | 8.28% | 8.48% | 8.58% | 8.75% | 9.06% | 5.35% | -313 bps | |
| Net Worth / Assets | 7.50% | 7.57% | 8.28% | 8.48% | 8.58% | 8.75% | 9.06% | 5.35% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.66% | 64.45% | 73.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |