Fairmont City, IL · Charter 64460
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.60% | 0.33% | -0.56% | -0.98% | -1.24% | -1.77% | -1.95% | -139 bps | |
| Return on Equity | 5.75% | 3.65% | 1.88% | -3.53% | -6.33% | -8.65% | -13.97% | -16.02% | -1,249 bps | |
| Net Interest Margin | 5.68% | 5.56% | 6.01% | 5.19% | 4.77% | 4.36% | 2.93% | 2.91% | -228 bps | |
| Efficiency Ratio | 88.22% | 92.46% | 95.99% | 101.15% | 109.75% | 116.26% | 141.57% | 141.53% | +4,038 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.43% | 11.64% | -0.64% | 2.88% | 0.71% | 5.34% | 22.35% | 12.75% | +987 bps | |
| Loan Growth (YoY) | 5.02% | 4.03% | -0.64% | -18.17% | -25.57% | -28.73% | -30.54% | -11.15% | +702 bps | |
| Share Growth (YoY) | 12.94% | 13.42% | -1.21% | 3.60% | 1.87% | 7.95% | 29.58% | 17.77% | +1,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.85% | 1.75% | 1.86% | 1.53% | 2.07% | 0.00% | 0.38% | -148 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 | 1.35% | 1.39% | 1.48% | 1.69% | 1.49% | 1.63% | 1.74% | 1.66% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.41% | 16.35% | 17.49% | 15.82% | 15.45% | 14.29% | 12.65% | 12.17% | -365 bps | |
| Net Worth / Assets | 16.41% | 16.35% | 17.49% | 15.82% | 15.45% | 14.29% | 12.65% | 12.17% | -365 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.68% | 60.05% | 63.35% | 47.46% | 44.33% | 39.64% | 33.96% | 35.80% | -1,165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |