Pekin, IL · Charter 63672
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
87
Profitability
10
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pekin, IL · Charter 63672
NCUA · 2 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.04% | -0.06% | -0.11% | -0.10% | -20 bps | |
| Return on Equity | 0.75% | 0.29% | -0.48% | -0.86% | -0.78% | -153 bps | |
| Net Interest Margin | 1.97% | 2.00% | 2.00% | 2.11% | 2.19% | +22 bps | |
| Efficiency Ratio | 95.47% | 97.85% | 102.94% | 104.96% | 104.46% | +900 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | -0.24% | 0.59% | -5.18% | -8.26% | -1,009 bps | |
| Loan Growth (YoY) | 9.01% | 12.19% | 9.37% | 6.51% | 0.07% | -894 bps | |
| Share Growth (YoY) | 3.49% | 0.63% | 0.66% | -2.48% | -7.48% | -1,097 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.13% | 0.10% | 0.09% | 0.09% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.89% | 13.15% | 13.04% | 12.81% | 13.16% | +26 bps | |
| Net Worth / Assets | 12.89% | 13.15% | 13.04% | 12.81% | 13.16% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.20% | 27.55% | 27.39% | 28.31% | 28.34% | +214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pekin, IL · Charter 63672 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
Return on Assets
-0.10%
Rank 1,555 of 1,761
Net Interest Margin
2.19%
Rank 1,662 of 1,761
Efficiency Ratio
104.45%
Rank 1,644 of 1,754
Equity / Assets
13.16%
Rank 748 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.26% | 0.70% | 1.22% | Beats 12% | 1,555 / 1,761 | |
| Return on Equity | -0.78% | 2.09% | 5.52% | 9.08% | Beats 12% | 1,549 / 1,761 | |
| Net Interest Margin | 2.19% | 3.03% | 3.59% | 4.25% | Beats 6% | 1,662 / 1,761 | |
| Efficiency Ratio | 104.45% | 68.95% | 77.94% | 87.14% | Beats 6% | 1,644 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.27% | Beats 87% | 232 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.16% | 10.05% | 12.42% | 15.87% | Beats 58% | 747 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.16% | 10.05% | 12.42% | 15.87% | Beats 58% | 748 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.34% | 56.21% | 73.13% | 85.64% | 4th pctl | 1,694 / 1,759 | |
| Loans / Assets | 24.82% | 47.85% | 62.48% | 73.19% | 4th pctl | 1,685 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||