Montgomery, IL · Charter 64247
NCUA · 2 branches
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.97% | -0.86% | -0.76% | -1.75% | -1.53% | -56 bps | |
| Return on Equity | -8.89% | -7.93% | -7.25% | -16.56% | -14.62% | -573 bps | |
| Net Interest Margin | 2.62% | 2.73% | 2.40% | 2.66% | 2.29% | -32 bps | |
| Efficiency Ratio | 121.72% | 117.56% | 121.81% | 164.15% | 151.51% | +2,979 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.32% | 3.08% | 2.12% | -3.22% | -7.51% | -983 bps | |
| Loan Growth (YoY) | -7.65% | 11.58% | 13.43% | 21.69% | 28.80% | +3,645 bps | |
| Share Growth (YoY) | 4.36% | 5.02% | 4.00% | -1.78% | -6.34% | -1,069 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 0.49% | 0.78% | 0.43% | 0.81% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.17% | 1.31% | 1.32% | 1.14% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.88% | 10.89% | 10.51% | 10.55% | 10.48% | -40 bps | |
| Net Worth / Assets | 10.88% | 10.89% | 10.51% | 10.55% | 10.48% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.83% | 27.50% | 27.30% | 31.98% | 34.14% | +931 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |