Romeoville, IL · Charter 60893
NCUA · 1 branch
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.26% | -0.34% | -0.10% | -1.73% | -144 bps | |
| Return on Equity | -4.24% | -3.84% | -5.46% | -1.54% | -30.96% | -2,672 bps | |
| Net Interest Margin | 2.17% | 2.10% | 1.80% | 1.77% | 1.79% | -38 bps | |
| Efficiency Ratio | 108.56% | 107.58% | 111.10% | 103.00% | 146.79% | +3,823 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.67% | 18.95% | 25.47% | 5.91% | 0.12% | -1,855 bps | |
| Loan Growth (YoY) | -0.92% | 5.68% | 2.64% | 10.34% | -92.95% | -9,203 bps | |
| Share Growth (YoY) | 20.84% | 20.46% | 27.93% | 6.50% | 1.55% | -1,929 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.14% | 3.91% | 5.13% | 4.51% | 14.45% | +1,032 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 2.57% | 2.88% | 3.15% | 32.24% | +2,930 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.81% | 6.83% | 6.27% | 6.58% | 5.57% | -124 bps | |
| Net Worth / Assets | 6.81% | 6.83% | 6.27% | 6.58% | 5.57% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 11.96% | 13.66% | 11.21% | 10.72% | 0.83% | -1,113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |