Carol Stream, IL · Charter 61644
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Carol Stream, IL · Charter 61644
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.40% | -0.40% | -0.34% | 0.00% | -0.31% | -0.39% | -0.28% | +6 bps | |
| Return on Equity | 0.01% | -1.64% | -1.57% | -1.33% | 0.00% | -1.17% | -1.26% | -0.83% | +51 bps | |
| Net Interest Margin | 1.47% | 1.39% | 1.53% | 1.58% | 1.74% | 1.72% | 1.93% | 2.15% | +58 bps | |
| Efficiency Ratio | 124.87% | 128.75% | 126.26% | 121.35% | 121.46% | 118.31% | 120.18% | 113.02% | -833 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | 4.78% | -1.41% | -0.09% | -10.58% | -9.84% | -16.22% | -25.23% | -2,514 bps | |
| Loan Growth (YoY) | -19.80% | -22.90% | 45.28% | 81.88% | 6.85% | 12.89% | -7.34% | -48.50% | -13,038 bps | |
| Share Growth (YoY) | 7.90% | 6.44% | -1.86% | -0.18% | -14.14% | -13.04% | -21.93% | -33.95% | -3,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.86% | 16.89% | 16.12% | 6.34% | 6.47% | 6.94% | 20.24% | 27.56% | +2,122 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 | 7.82% | 10.48% | 10.07% | 8.64% | 6.45% | 7.66% | 8.75% | 12.70% | +406 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.09% | 24.27% | 25.73% | 25.31% | 28.06% | 26.91% | 30.76% | 33.98% | +867 bps | |
| Net Worth / Assets | 25.09% | 24.27% | 25.73% | 25.31% | 28.06% | 26.91% | 30.76% | 33.98% | +867 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.94% | 7.98% | 9.69% | 12.14% | 12.36% | 10.36% | 11.50% | 9.47% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |