Chicago, IL · Charter 60657
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -0.23% | -0.23% | -0.10% | -0.03% | 0.05% | 0.04% | 0.23% | +33 bps | |
| Return on Equity | -3.82% | -1.10% | -1.11% | -0.44% | -0.16% | 0.24% | 0.17% | 0.94% | +137 bps | |
| Net Interest Margin | 2.23% | 2.26% | 2.31% | 2.37% | 2.47% | 2.67% | 2.92% | 2.98% | +61 bps | |
| Efficiency Ratio | 129.59% | 108.70% | 108.66% | 103.46% | 101.25% | 98.17% | 98.72% | 93.45% | -1,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.03% | -6.50% | -5.80% | -6.91% | -4.28% | -8.53% | -12.17% | -11.23% | -432 bps | |
| Loan Growth (YoY) | 8.37% | 6.73% | 6.90% | 4.16% | 3.57% | 1.63% | -4.18% | -1.53% | -569 bps | |
| Share Growth (YoY) | -7.19% | -7.81% | -6.97% | -8.59% | -5.56% | -10.86% | -15.47% | -14.65% | -605 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.91% | 1.03% | 1.30% | 0.90% | 2.99% | 3.43% | 3.28% | +198 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 | 1.92% | 1.62% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.58% | 20.78% | 21.12% | 21.74% | 21.61% | 22.77% | 24.17% | 24.72% | +298 bps | |
| Net Worth / Assets | 20.58% | 20.78% | 21.12% | 21.74% | 21.61% | 22.77% | 24.17% | 24.72% | +298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.29% | 20.92% | 21.59% | 21.75% | 22.24% | 23.85% | 24.48% | 25.09% | +334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |