Sycamore, IL · Charter 61634
NCUA · 4 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.19% | -0.14% | -0.26% | -0.17% | -0.64% | -0.40% | -0.46% | -20 bps | |
| Return on Equity | 4.43% | 1.64% | -1.18% | -2.10% | -1.39% | -5.54% | -3.45% | -3.88% | -178 bps | |
| Net Interest Margin | 3.12% | 3.05% | 3.11% | 3.17% | 3.07% | 2.82% | 2.94% | 3.11% | -6 bps | |
| Efficiency Ratio | 85.59% | 92.69% | 96.33% | 99.76% | 97.51% | 109.21% | 104.21% | 104.15% | +439 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.06% | 5.99% | 4.55% | -1.91% | -1.43% | -1.10% | -0.71% | -0.13% | +178 bps | |
| Loan Growth (YoY) | 16.21% | 12.73% | 7.13% | -3.41% | -4.16% | -3.39% | -1.18% | -1.24% | +218 bps | |
| Share Growth (YoY) | 9.02% | 5.56% | 4.65% | -1.61% | -1.51% | 0.31% | -0.12% | 0.10% | +171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.58% | 0.52% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.37% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.91% | 11.75% | 11.88% | 12.31% | 11.92% | 11.51% | 11.63% | 11.91% | -40 bps | |
| Net Worth / Assets | 11.91% | 11.75% | 11.88% | 12.31% | 11.92% | 11.51% | 11.63% | 11.91% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.73% | 92.85% | 94.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |