Romeoville, IL · Charter 60893
NCUA · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.54% | -0.08% | -0.29% | -0.26% | -0.34% | -0.10% | -1.73% | -144 bps | |
| Return on Equity | 0.14% | -6.63% | -1.16% | -4.24% | -3.84% | -5.46% | -1.54% | -30.96% | -2,672 bps | |
| Net Interest Margin | 3.27% | 2.86% | 2.30% | 2.17% | 2.10% | 1.80% | 1.77% | 1.79% | -38 bps | |
| Efficiency Ratio | 97.92% | 113.63% | 102.25% | 108.56% | 107.58% | 111.10% | 103.00% | 146.79% | +3,823 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.74% | -9.55% | 10.19% | 18.67% | 18.95% | 25.47% | 5.91% | 0.12% | -1,855 bps | |
| Loan Growth (YoY) | 1.83% | -4.26% | -19.70% | -0.92% | 5.68% | 2.64% | 10.34% | -92.95% | -9,203 bps | |
| Share Growth (YoY) | -14.80% | -8.20% | 11.14% | 20.84% | 20.46% | 27.93% | 6.50% | 1.55% | -1,929 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.74% | 13.24% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.71% | 2.96% | 3.48% | 2.94% | 2.57% | 2.88% | 3.15% | 32.24% | +2,930 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.09% | 7.20% | 6.81% | 6.83% | 6.27% | 6.58% | 5.57% | -124 bps | |
| Net Worth / Assets | 8.38% | 8.09% | 7.20% | 6.81% | 6.83% | 6.27% | 6.58% | 5.57% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.57% | 13.97% | 10.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |