Decatur, IL · Charter 61829
NCUA · 1 branch
Q1 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 0.06% | 0.48% | -0.26% | -0.35% | +7 bps | |
| Return on Equity | -2.76% | 0.41% | 3.02% | -1.71% | -2.26% | +49 bps | |
| Net Interest Margin | 3.14% | 3.06% | 3.04% | 2.90% | 2.51% | -63 bps | |
| Efficiency Ratio | 105.13% | 93.73% | 86.94% | 105.93% | 108.93% | +380 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.21% | 7.07% | 7.62% | 2.64% | -1.87% | -1,408 bps | |
| Loan Growth (YoY) | -22.32% | -17.33% | -9.17% | -7.28% | 1.78% | +2,409 bps | |
| Share Growth (YoY) | 16.21% | 9.33% | 9.84% | 3.01% | -2.12% | -1,833 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.22% | 1.28% | 1.23% | 1.00% | 1.04% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.39% | 15.55% | 15.77% | 15.43% | 15.44% | +5 bps | |
| Net Worth / Assets | 15.39% | 15.55% | 15.77% | 15.43% | 15.44% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |