Niles, IL · Charter 62061
NCUA · 1 branch
Q4 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.38% | -0.33% | -0.84% | 0.01% | -0.58% | -1.69% | -2.40% | -156 bps | |
| Return on Equity | 4.18% | 4.87% | -4.35% | -11.62% | 0.19% | -7.69% | -23.74% | -31.14% | -1,952 bps | |
| Net Interest Margin | 6.43% | 6.72% | 6.79% | 6.77% | 5.77% | 5.86% | 5.91% | 6.19% | -57 bps | |
| Efficiency Ratio | 55.26% | 56.41% | 59.85% | 61.41% | 70.12% | 71.54% | 80.90% | 96.53% | +3,512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.73% | 13.01% | -0.87% | -8.41% | -11.22% | -11.80% | -15.60% | -20.87% | -1,245 bps | |
| Loan Growth (YoY) | 28.12% | 8.36% | -5.71% | -16.06% | -22.22% | -27.72% | -33.83% | -38.76% | -2,270 bps | |
| Share Growth (YoY) | 26.47% | 14.60% | 0.39% | -8.01% | -11.07% | -11.42% | -15.36% | -21.30% | -1,329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 1.95% | 1.90% | 2.39% | 1.37% | 0.53% | 0.81% | 0.58% | -181 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 | 3.16% | 2.71% | 3.05% | 3.83% | 3.01% | 3.28% | 4.37% | 4.85% | +101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.35% | 7.91% | 7.66% | 7.27% | 7.34% | 7.55% | 7.13% | 7.71% | +44 bps | |
| Net Worth / Assets | 7.35% | 7.91% | 7.66% | 7.27% | 7.34% | 7.55% | 7.13% | 7.71% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.62% | 100.60% | 97.53% | 93.37% | 87.13% | 82.09% | 76.25% | 72.66% | -2,072 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |