Sycamore, IL · Charter 61634
NCUA · 4 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
59
Profitability
15
Liquidity
0
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sycamore, IL · Charter 61634
NCUA · 4 branches
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.17% | -0.64% | -0.40% | -0.46% | -20 bps | |
| Return on Equity | -2.10% | -1.39% | -5.54% | -3.45% | -3.88% | -178 bps | |
| Net Interest Margin | 3.17% | 3.07% | 2.82% | 2.94% | 3.11% | -6 bps | |
| Efficiency Ratio | 99.76% | 97.51% | 109.21% | 104.21% | 104.15% | +439 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.91% | -1.43% | -1.10% | -0.71% | -0.13% | +178 bps | |
| Loan Growth (YoY) | -3.41% | -4.16% | -3.39% | -1.18% | -1.24% | +218 bps | |
| Share Growth (YoY) | -1.61% | -1.51% | 0.31% | -0.12% | 0.10% | +171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.50% | 0.51% | 0.79% | 0.50% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.31% | 11.92% | 11.51% | 11.63% | 11.91% | -40 bps | |
| Net Worth / Assets | 12.31% | 11.92% | 11.51% | 11.63% | 11.91% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.38% | 92.18% | 89.43% | 93.00% | 95.10% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sycamore, IL · Charter 61634 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 4 branches
Q3 2024
Return on Assets
-0.46%
Rank 1,622 of 1,761
Net Interest Margin
3.11%
Rank 1,258 of 1,761
Efficiency Ratio
104.14%
Rank 1,637 of 1,754
Equity / Assets
11.91%
Rank 976 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | 0.26% | 0.70% | 1.22% | Beats 8% | 1,622 / 1,761 | |
| Return on Equity | -3.88% | 2.09% | 5.52% | 9.08% | Beats 7% | 1,631 / 1,761 | |
| Net Interest Margin | 3.11% | 3.03% | 3.59% | 4.25% | Beats 29% | 1,258 / 1,761 | |
| Efficiency Ratio | 104.14% | 68.95% | 77.94% | 87.14% | Beats 7% | 1,637 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.27% | Beats 59% | 723 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.91% | 10.05% | 12.42% | 15.87% | Beats 45% | 975 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.91% | 10.05% | 12.42% | 15.87% | Beats 45% | 976 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.10% | 56.21% | 73.13% | 85.64% | 90th pctl | 174 / 1,759 | |
| Loans / Assets | 82.91% | 47.85% | 62.48% | 73.19% | 94th pctl | 113 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||