Decatur, IL · Charter 61829
NCUA · 1 branch
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Decatur, IL · Charter 61829
NCUA · 1 branch
Q1 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.07% | 0.01% | -0.42% | 0.06% | 0.48% | -0.26% | -0.35% | +7 bps | |
| Return on Equity | -2.06% | -0.43% | 0.03% | -2.76% | 0.41% | 3.02% | -1.71% | -2.26% | +49 bps | |
| Net Interest Margin | 3.63% | 3.73% | 3.60% | 3.14% | 3.06% | 3.04% | 2.90% | 2.51% | -63 bps | |
| Efficiency Ratio | 100.96% | 95.23% | 94.81% | 105.13% | 93.73% | 86.94% | 105.93% | 108.93% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.33% | 3.64% | 9.71% | 12.21% | 7.07% | 7.62% | 2.64% | -1.87% | -1,408 bps | |
| Loan Growth (YoY) | -16.07% | -18.54% | -20.16% | -22.32% | -17.33% | -9.17% | -7.28% | 1.78% | +2,409 bps | |
| Share Growth (YoY) | -2.88% | 3.89% | 13.16% | 16.21% | 9.33% | 9.84% | 3.01% | -2.12% | -1,833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.70% | 0.60% | 0.14% | 0.19% | 0.04% | 0.00% | 0.36% | +22 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 | 1.17% | 1.26% | 1.38% | 1.22% | 1.28% | 1.23% | 1.00% | 1.04% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.92% | 16.53% | 16.11% | 15.39% | 15.55% | 15.77% | 15.43% | 15.44% | +5 bps | |
| Net Worth / Assets | 16.92% | 16.53% | 16.11% | 15.39% | 15.55% | 15.77% | 15.43% | 15.44% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.38% | 60.85% | 55.29% | 48.13% | 48.68% | 50.32% | 49.77% | 50.05% | +191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |