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 | |