Elgin, IL · Charter 62007
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 | 0.54% | 0.23% | 0.37% | 0.27% | -0.03% | 0.05% | -0.45% | 0.10% | -17 bps | |
| Return on Equity | 3.86% | 1.68% | 2.60% | 1.87% | -0.23% | 0.39% | -3.17% | 0.65% | -123 bps | |
| Net Interest Margin | 3.77% | 3.52% | 3.58% | 3.66% | 3.72% | 3.76% | 3.89% | 4.20% | +54 bps | |
| Efficiency Ratio | 84.32% | 86.29% | 87.47% | 89.68% | 94.20% | 90.63% | 93.26% | 87.48% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.52% | -5.58% | -2.82% | -0.84% | -0.96% | -1.86% | -3.56% | -9.26% | -841 bps | |
| Loan Growth (YoY) | -13.20% | -14.22% | -17.42% | -13.66% | -13.76% | -6.54% | 0.27% | -9.22% | +444 bps | |
| Share Growth (YoY) | -11.20% | -6.97% | -3.87% | -1.26% | -1.19% | -2.04% | -3.67% | -10.56% | -930 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.55% | 0.00% | 0.06% | 0.68% | 0.34% | 0.04% | 0.26% | +21 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 | 0.64% | 1.07% | 0.54% | 0.55% | 0.80% | 0.55% | 0.70% | 0.82% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.02% | 13.66% | 14.10% | 14.26% | 14.13% | 13.87% | 14.26% | 15.53% | +127 bps | |
| Net Worth / Assets | 14.02% | 13.66% | 14.10% | 14.26% | 14.13% | 13.87% | 14.26% | 15.53% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.65% | 28.72% | 28.07% | 29.15% | 28.50% | 27.41% | 29.22% | 29.58% | +44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |