Lansing, IL · Charter 61354
NCUA · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lansing, IL · Charter 61354
NCUA · 2 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.14% | 0.41% | 0.29% | 0.25% | 0.12% | 0.00% | -5.86% | -615 bps | |
| Return on Equity | 0.77% | 0.78% | 2.29% | 1.63% | 1.36% | 0.67% | 0.02% | -35.43% | -3,706 bps | |
| Net Interest Margin | 3.18% | 3.18% | 3.30% | 3.20% | 3.33% | 3.35% | 3.33% | 3.23% | +3 bps | |
| Efficiency Ratio | 96.19% | 96.16% | 88.68% | 91.76% | 90.36% | 94.41% | 99.92% | 251% | +15,937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.12% | -4.55% | -3.69% | -2.37% | -4.29% | -3.46% | -8.48% | -479 bps | |
| Loan Growth (YoY) | 0.05% | -3.59% | -5.50% | -9.60% | -12.82% | -13.30% | -18.45% | -17.81% | -821 bps | |
| Share Growth (YoY) | -2.48% | -1.52% | -5.81% | -4.85% | -3.12% | -5.34% | -4.19% | -9.52% | -466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 2.51% | 1.21% | 1.43% | 1.39% | 2.59% | 2.59% | 2.12% | +69 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 | 1.38% | 1.12% | 1.16% | 0.96% | 1.18% | 1.15% | 1.04% | 1.38% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.60% | 17.59% | 17.71% | 17.84% | 18.25% | 18.50% | 18.36% | 16.54% | -130 bps | |
| Net Worth / Assets | 17.60% | 17.59% | 17.71% | 17.84% | 18.25% | 18.50% | 18.36% | 16.54% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.19% | 58.98% | 57.51% | 56.05% | 55.06% | 54.02% | 48.95% | 50.91% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |