Dekalb, IL · Charter 60880
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.63% | -0.50% | -0.48% | -0.66% | -0.22% | -0.23% | -0.67% | -19 bps | |
| Return on Equity | -4.25% | -7.53% | -5.96% | -5.91% | -8.66% | -2.88% | -2.89% | -8.77% | -286 bps | |
| Net Interest Margin | 2.43% | 2.26% | 2.28% | 2.25% | 2.16% | 2.09% | 2.26% | 2.39% | +14 bps | |
| Efficiency Ratio | 106.75% | 119.31% | 115.01% | 114.48% | 120.16% | 106.72% | 106.45% | 118.05% | +357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.37% | -4.35% | -3.17% | 2.61% | 3.08% | 2.13% | -0.37% | -4.72% | -733 bps | |
| Loan Growth (YoY) | -4.88% | -6.71% | -8.35% | 1.01% | 1.33% | 12.00% | 23.88% | 27.10% | +2,609 bps | |
| Share Growth (YoY) | -2.20% | -4.28% | -2.88% | 3.58% | 4.14% | 2.97% | 0.25% | -4.21% | -779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.74% | 0.15% | 0.08% | 0.06% | 0.00% | 0.00% | 0.02% | -6 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 | 0.29% | 0.25% | 0.30% | 0.30% | 0.30% | 0.30% | 0.29% | 0.29% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.59% | 8.32% | 8.32% | 8.04% | 7.67% | 7.58% | 7.80% | 7.61% | -43 bps | |
| Net Worth / Assets | 8.59% | 8.32% | 8.32% | 8.04% | 7.67% | 7.58% | 7.80% | 7.61% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.62% | 46.20% | 46.67% | 47.99% | 47.31% | 50.25% | 57.67% | 63.68% | +1,569 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |