Champaign, IL · Charter 61497
NCUA · 1 branch
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.23% | -0.15% | 1.05% | -0.14% | -0.45% | -0.35% | 0.09% | -96 bps | |
| Return on Equity | 3.43% | 2.64% | -1.85% | 13.13% | -1.64% | -5.61% | -4.51% | 1.16% | -1,197 bps | |
| Net Interest Margin | 2.88% | 2.66% | 2.23% | 2.14% | 2.17% | 2.15% | 1.94% | 2.17% | +3 bps | |
| Efficiency Ratio | 86.13% | 86.66% | 103.70% | 59.14% | 102.78% | 106.42% | 104.93% | 91.47% | +3,232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.14% | 13.75% | 16.94% | 11.94% | 8.26% | 2.86% | 0.43% | -3.83% | -1,577 bps | |
| Loan Growth (YoY) | -4.68% | 0.69% | 0.15% | 18.72% | -5.37% | -14.32% | -14.23% | -34.98% | -5,370 bps | |
| Share Growth (YoY) | 11.90% | 15.18% | 18.77% | 12.44% | 9.22% | 3.70% | 1.01% | -3.17% | -1,561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.66% | 0.49% | 0.85% | 1.56% | 2.41% | 1.05% | 0.08% | -78 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 | 0.60% | 0.84% | 0.92% | 0.62% | 1.08% | 1.79% | 0.86% | 0.71% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.15% | 8.70% | 8.28% | 8.00% | 8.36% | 8.01% | 7.71% | 8.02% | +3 bps | |
| Net Worth / Assets | 9.15% | 8.70% | 8.28% | 8.00% | 8.36% | 8.01% | 7.71% | 8.02% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.82% | 37.88% | 34.73% | 41.28% | 33.63% | 31.30% | 29.49% | 27.72% | -1,356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |