Paris, IL · Charter 61488
NCUA · 1 branch
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.20% | -5.85% | -11.62% | -8.01% | -8.05% | -584 bps | |
| Return on Equity | -20.87% | -56.80% | -188.70% | -163.18% | -220% | -19,927 bps | |
| Net Interest Margin | 4.58% | 4.79% | 4.17% | 4.04% | 4.36% | -22 bps | |
| Efficiency Ratio | 130.83% | 170.23% | 176.58% | 187.03% | 159.58% | +2,875 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.14% | -13.65% | -16.89% | -11.70% | -15.64% | -850 bps | |
| Loan Growth (YoY) | 14.46% | -1.94% | -6.94% | -25.96% | -25.75% | -4,021 bps | |
| Share Growth (YoY) | -7.37% | -12.49% | -11.97% | -5.27% | -8.89% | -152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.47% | 4.27% | 7.84% | 6.96% | 6.28% | +281 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 2.00% | 3.56% | 2.32% | 5.24% | +233 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.30% | 6.16% | 4.91% | 3.66% | -691 bps | |
| Net Worth / Assets | 10.56% | 10.30% | 6.16% | 4.91% | 3.66% | -691 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.23% | 65.48% | 63.40% | 56.34% | 58.86% | -1,337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |