Lansing, IL · Charter 61354
NCUA · 2 branches
Q2 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.25% | 0.12% | 0.00% | -5.86% | -615 bps | |
| Return on Equity | 1.63% | 1.36% | 0.67% | 0.02% | -35.43% | -3,706 bps | |
| Net Interest Margin | 3.20% | 3.33% | 3.35% | 3.33% | 3.23% | +3 bps | |
| Efficiency Ratio | 91.76% | 90.36% | 94.41% | 99.92% | 251% | +15,937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.69% | -2.37% | -4.29% | -3.46% | -8.48% | -479 bps | |
| Loan Growth (YoY) | -9.60% | -12.82% | -13.30% | -18.45% | -17.81% | -821 bps | |
| Share Growth (YoY) | -4.85% | -3.12% | -5.34% | -4.19% | -9.52% | -466 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.96% | 1.18% | 1.15% | 1.04% | 1.38% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.84% | 18.25% | 18.50% | 18.36% | 16.54% | -130 bps | |
| Net Worth / Assets | 17.84% | 18.25% | 18.50% | 18.36% | 16.54% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |