Montgomery, IL · Charter 64247
NCUA · 2 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.92% | -1.08% | -0.97% | -0.86% | -0.76% | -1.75% | -1.53% | -56 bps | |
| Return on Equity | -6.75% | -7.97% | -9.48% | -8.89% | -7.93% | -7.25% | -16.56% | -14.62% | -573 bps | |
| Net Interest Margin | 2.98% | 2.44% | 2.63% | 2.62% | 2.73% | 2.40% | 2.66% | 2.29% | -32 bps | |
| Efficiency Ratio | 112.67% | 133.14% | 124.37% | 121.72% | 117.56% | 121.81% | 164.15% | 151.51% | +2,979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 1.89% | -0.57% | 2.32% | 3.08% | 2.12% | -3.22% | -7.51% | -983 bps | |
| Loan Growth (YoY) | -12.00% | -11.41% | -7.79% | -7.65% | 11.58% | 13.43% | 21.69% | 28.80% | +3,645 bps | |
| Share Growth (YoY) | 3.45% | 4.15% | 1.50% | 4.36% | 5.02% | 4.00% | -1.78% | -6.34% | -1,069 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.97% | 2.79% | 2.80% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.95% | 1.70% | 1.23% | 1.17% | 1.31% | 1.32% | 1.14% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.11% | 11.56% | 11.39% | 10.88% | 10.89% | 10.51% | 10.55% | 10.48% | -40 bps | |
| Net Worth / Assets | 12.11% | 11.56% | 11.39% | 10.88% | 10.89% | 10.51% | 10.55% | 10.48% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.88% | 25.03% | 25.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |