Granite City, IL · Charter 63779
NCUA · 2 branches
Q3 2017
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.23% | -0.25% | -0.02% | -0.25% | -31 bps | |
| Return on Equity | 0.35% | -1.40% | -1.54% | -0.09% | -1.47% | -182 bps | |
| Net Interest Margin | 2.85% | 2.87% | 2.70% | 2.78% | 2.85% | 0 bps | |
| Efficiency Ratio | 94.82% | 95.33% | 85.71% | 89.09% | 91.86% | -297 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.18% | -0.35% | -0.59% | -7.09% | -5.27% | -510 bps | |
| Loan Growth (YoY) | 0.35% | 4.49% | 0.40% | -3.53% | -1.59% | -194 bps | |
| Share Growth (YoY) | -0.19% | -0.13% | -0.38% | -8.09% | -5.80% | -561 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 1.52% | 2.51% | 1.99% | 1.62% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.72% | 0.97% | 0.74% | 0.84% | +71 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.47% | 16.42% | 16.21% | 16.58% | 16.91% | +45 bps | |
| Net Worth / Assets | 16.47% | 16.42% | 16.21% | 16.58% | 16.91% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.03% | 62.50% | 60.56% | 61.42% | 62.71% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |