Danville, IL · Charter 61284
NCUA · 3 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.11% | 0.26% | 0.29% | 0.26% | 0.25% | 0.45% | -5.95% | -624 bps | |
| Return on Equity | -1.33% | 1.46% | 3.59% | 4.07% | 3.54% | 3.24% | 6.30% | -141.26% | -14,533 bps | |
| Net Interest Margin | 2.92% | 2.80% | 2.78% | 2.79% | 2.88% | 3.01% | 2.86% | 2.56% | -23 bps | |
| Efficiency Ratio | 100.07% | 96.06% | 92.01% | 91.21% | 91.52% | 92.41% | 93.50% | 210% | +11,864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 6.96% | 3.51% | 6.93% | 7.20% | -0.32% | 2.53% | 0.24% | -669 bps | |
| Loan Growth (YoY) | -1.21% | -0.83% | -0.44% | 0.65% | 7.56% | 6.42% | 5.48% | 4.74% | +410 bps | |
| Share Growth (YoY) | 3.14% | 5.56% | 3.45% | 6.44% | 8.05% | 1.01% | 2.54% | 2.19% | -425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.21% | 0.19% | 0.40% | 0.39% | 0.48% | 0.48% | 0.31% | -8 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 | 0.40% | 0.36% | 0.45% | 0.48% | 0.51% | 0.53% | 0.46% | 0.42% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.47% | 7.33% | 7.11% | 7.13% | 7.33% | 7.59% | 7.21% | 4.21% | -291 bps | |
| Net Worth / Assets | 7.47% | 7.33% | 7.11% | 7.13% | 7.33% | 7.59% | 7.21% | 4.21% | -291 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.55% | 59.74% | 57.31% | 57.94% | 60.28% | 62.94% | 58.96% | 59.39% | +145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |