Laporte, IN · Charter 60693
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Laporte, IN · Charter 60693
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.26% | -2.58% | -1.25% | -0.67% | -0.43% | 0.13% | 0.75% | 0.69% | +137 bps | |
| Return on Equity | -7.40% | -15.35% | -7.64% | -4.07% | -2.24% | 0.64% | 4.09% | 3.78% | +785 bps | |
| Net Interest Margin | 3.55% | 3.19% | 2.96% | 3.44% | 4.05% | 4.45% | 3.93% | 3.70% | +26 bps | |
| Efficiency Ratio | 99.61% | 136.67% | 118.99% | 106.27% | 100.91% | 97.20% | 82.64% | 84.40% | -2,186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.77% | -9.95% | -7.47% | -0.87% | -13.31% | -12.78% | -7.43% | -6.78% | -591 bps | |
| Loan Growth (YoY) | -19.02% | -14.25% | -7.55% | -4.79% | 8.01% | 4.38% | -3.10% | -10.78% | -600 bps | |
| Share Growth (YoY) | -9.17% | -10.09% | -8.22% | -0.45% | -15.61% | -15.72% | -9.60% | -8.87% | -842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.54% | 13.42% | 7.70% | 11.58% | 9.56% | 2.34% | 2.73% | 3.81% | -776 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 | 1.59% | 2.15% | 2.22% | 2.23% | 2.16% | 1.97% | 2.17% | 2.13% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.02% | 16.82% | 16.35% | 16.54% | 19.20% | 19.62% | 18.31% | 18.40% | +186 bps | |
| Net Worth / Assets | 17.02% | 16.82% | 16.35% | 16.54% | 19.20% | 19.62% | 18.31% | 18.40% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.38% | 71.73% | 68.59% | 69.20% | 86.24% | 88.84% | 73.53% | 67.75% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |