Riverwoods, IL · Charter 61280
NCUA · 1 branch
Q2 2023
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | -0.05% | 0.57% | 0.07% | 0.03% | 0.02% | 0.26% | -3.07% | -314 bps | |
| Return on Equity | 4.29% | -0.39% | 4.96% | 0.59% | 0.26% | 0.13% | 2.12% | -26.27% | -2,686 bps | |
| Net Interest Margin | 0.06% | -0.16% | 0.15% | 0.22% | 0.38% | 0.40% | 0.77% | -1.90% | -212 bps | |
| Efficiency Ratio | 54.49% | 106.97% | 37.81% | 88.78% | 95.12% | 97.33% | 73.89% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.68% | -11.32% | -8.06% | -6.96% | -5.27% | -1.44% | -7.32% | -9.97% | -301 bps | |
| Loan Growth (YoY) | -59.40% | -61.70% | -40.46% | -18.25% | -18.59% | -32.75% | -30.03% | -50.96% | -3,271 bps | |
| Share Growth (YoY) | -7.70% | -12.62% | -9.15% | -7.65% | -5.53% | -1.64% | -8.23% | -9.67% | -202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.81% | 3.21% | 3.76% | 3.04% | 3.45% | 4.78% | 5.38% | 6.20% | +316 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.79% | 11.90% | 11.50% | 11.93% | 12.02% | 12.09% | 12.34% | 11.70% | -24 bps | |
| Net Worth / Assets | 11.79% | 11.90% | 11.50% | 11.93% | 12.02% | 12.09% | 12.34% | 11.70% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.56% | 4.18% | 3.39% | 4.42% | 3.93% | 2.86% | 2.59% | 2.40% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |