Pekin, IL · Charter 63672
NCUA · 2 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.26% | 0.11% | 0.10% | 0.04% | -0.06% | -0.11% | -0.10% | -20 bps | |
| Return on Equity | 1.53% | 1.97% | 0.86% | 0.75% | 0.29% | -0.48% | -0.86% | -0.78% | -153 bps | |
| Net Interest Margin | 1.93% | 2.07% | 1.97% | 1.97% | 2.00% | 2.00% | 2.11% | 2.19% | +22 bps | |
| Efficiency Ratio | 91.13% | 89.01% | 94.91% | 95.47% | 97.85% | 102.94% | 104.96% | 104.46% | +900 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 2.15% | 4.14% | 1.82% | -0.24% | 0.59% | -5.18% | -8.26% | -1,009 bps | |
| Loan Growth (YoY) | 5.86% | 8.52% | 9.81% | 9.01% | 12.19% | 9.37% | 6.51% | 0.07% | -894 bps | |
| Share Growth (YoY) | 4.84% | 4.68% | 4.51% | 3.49% | 0.63% | 0.66% | -2.48% | -7.48% | -1,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.00% | 0.07% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.79% | 1.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.07% | 13.15% | 12.94% | 12.89% | 13.15% | 13.04% | 12.81% | 13.16% | +26 bps | |
| Net Worth / Assets | 13.07% | 13.15% | 12.94% | 12.89% | 13.15% | 13.04% | 12.81% | 13.16% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.71% | 25.21% | 25.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |