Granite City, IL · Charter 63779
NCUA · 2 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.07% | 0.10% | 0.06% | -0.23% | -0.25% | -0.02% | -0.25% | -31 bps | |
| Return on Equity | 0.00% | -0.45% | 0.61% | 0.35% | -1.40% | -1.54% | -0.09% | -1.47% | -182 bps | |
| Net Interest Margin | 2.90% | 2.83% | 2.69% | 2.85% | 2.87% | 2.70% | 2.78% | 2.85% | 0 bps | |
| Efficiency Ratio | 96.27% | 94.71% | 92.67% | 94.82% | 95.33% | 85.71% | 89.09% | 91.86% | -297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 0.25% | 4.98% | -0.18% | -0.35% | -0.59% | -7.09% | -5.27% | -510 bps | |
| Loan Growth (YoY) | -1.04% | 0.96% | 3.98% | 0.35% | 4.49% | 0.40% | -3.53% | -1.59% | -194 bps | |
| Share Growth (YoY) | -1.43% | 0.39% | 6.00% | -0.19% | -0.13% | -0.38% | -8.09% | -5.80% | -561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.94% | 1.65% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.70% | 0.61% | 0.14% | 0.72% | 0.97% | 0.74% | 0.84% | +71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.59% | 16.38% | 15.68% | 16.47% | 16.42% | 16.21% | 16.58% | 16.91% | +45 bps | |
| Net Worth / Assets | 16.59% | 16.38% | 15.68% | 16.47% | 16.42% | 16.21% | 16.58% | 16.91% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.75% | 60.08% | 58.52% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |