Schaumburg, IL · Charter 63799
NCUA · 8 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Schaumburg, IL · Charter 63799
NCUA · 8 branches
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.73% | 0.44% | 1.39% | 1.14% | 1.03% | 0.69% | -0.05% | -143 bps | |
| Return on Equity | 5.18% | 6.21% | 3.74% | 11.77% | 9.53% | 8.17% | 5.64% | -0.40% | -1,217 bps | |
| Net Interest Margin | 3.04% | 3.23% | 3.09% | 4.03% | 3.73% | 3.73% | 3.37% | 2.87% | -116 bps | |
| Efficiency Ratio | 76.86% | 74.83% | 80.19% | 67.42% | 70.81% | 73.16% | 78.86% | 93.38% | +2,595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | -3.61% | -3.24% | -1.17% | 0.55% | -0.70% | 1.31% | 0.75% | +191 bps | |
| Loan Growth (YoY) | 7.54% | 1.92% | 1.03% | -0.90% | -2.19% | -2.42% | -4.90% | -4.09% | -319 bps | |
| Share Growth (YoY) | -2.82% | -1.70% | -3.20% | -1.82% | 0.31% | -0.76% | 1.20% | 0.87% | +269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.82% | 0.88% | 0.58% | 0.95% | 1.05% | 1.00% | 0.91% | +33 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 | 1.12% | 1.16% | 1.16% | 1.13% | 1.08% | 0.95% | 1.01% | 0.90% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.31% | 11.81% | 11.74% | 11.78% | 11.95% | 12.56% | 12.28% | 12.01% | +23 bps | |
| Net Worth / Assets | 11.31% | 11.81% | 11.74% | 11.78% | 11.95% | 12.56% | 12.28% | 12.01% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.26% | 90.24% | 91.13% | 87.34% | 86.05% | 88.73% | 85.64% | 83.04% | -430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 98.22% | 0.00% | 0.00% | 99.59% | 0.00% | -9,822 bps | |