Ottawa, IL · Charter 61471
NCUA · 2 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Ottawa, IL · Charter 61471
NCUA · 2 branches
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.56% | -0.08% | -0.47% | -0.28% | 0.05% | -0.20% | -0.96% | -49 bps | |
| Return on Equity | 1.73% | 5.61% | -0.76% | -4.62% | -2.75% | 0.50% | -2.15% | -10.86% | -624 bps | |
| Net Interest Margin | 3.18% | 3.08% | 2.50% | 2.66% | 2.41% | 1.78% | 2.08% | 1.84% | -82 bps | |
| Efficiency Ratio | 95.69% | 87.78% | 97.65% | 98.59% | 97.40% | 98.65% | 101.46% | 122.67% | +2,408 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 1.61% | 3.67% | 3.11% | 1.79% | 9.88% | 4.39% | 7.28% | +417 bps | |
| Loan Growth (YoY) | 9.31% | -1.64% | -13.61% | -23.24% | -27.91% | -33.87% | -35.69% | -36.94% | -1,370 bps | |
| Share Growth (YoY) | 2.74% | 1.67% | 3.52% | 3.65% | 2.30% | 10.77% | 5.42% | 8.86% | +521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.84% | 0.80% | 1.02% | 0.64% | 0.62% | 0.96% | 0.84% | -18 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 | 1.04% | 1.16% | 1.55% | 1.81% | 1.47% | 1.30% | 1.62% | 0.70% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.65% | 10.04% | 9.97% | 10.15% | 10.26% | 9.18% | 9.27% | 8.84% | -130 bps | |
| Net Worth / Assets | 10.65% | 10.04% | 9.97% | 10.15% | 10.26% | 9.18% | 9.27% | 8.84% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.53% | 44.19% | 39.06% | 37.84% | 34.90% | 26.38% | 23.83% | 21.92% | -1,592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |