Chicago, IL · Charter 60878
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.63% | -0.88% | 1.74% | 0.62% | 1.00% | 0.57% | -2.35% | -409 bps | |
| Return on Equity | -4.70% | -5.04% | -7.17% | 14.17% | 5.19% | 7.82% | 4.50% | -19.17% | -3,334 bps | |
| Net Interest Margin | 2.31% | 2.26% | 2.24% | 2.12% | 2.03% | 2.06% | 2.04% | 1.79% | -34 bps | |
| Efficiency Ratio | 119.65% | 118.49% | 129.83% | 50.67% | 78.79% | 70.91% | 81.88% | 182.83% | +13,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 4.26% | 3.03% | 6.63% | 5.35% | 1.33% | 1.58% | -3.19% | -982 bps | |
| Loan Growth (YoY) | -5.90% | -5.06% | -5.99% | -5.94% | 4.23% | -3.22% | 0.25% | -2.43% | +351 bps | |
| Share Growth (YoY) | 2.20% | 5.63% | 4.60% | 7.99% | 6.48% | 1.22% | 1.15% | -3.11% | -1,110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.16% | 1.33% | 1.11% | 3.48% | 2.17% | 2.17% | 0.67% | -44 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 | 1.07% | 1.22% | 1.37% | 1.21% | 1.16% | 1.31% | 1.28% | 1.37% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.84% | 12.57% | 12.24% | 12.31% | 11.95% | 12.76% | 12.62% | 12.26% | -5 bps | |
| Net Worth / Assets | 12.84% | 12.57% | 12.24% | 12.31% | 11.95% | 12.76% | 12.62% | 12.26% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.49% | 17.92% | 18.08% | 16.72% | 17.12% | 17.14% | 17.91% | 16.83% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |