Urbana, IL · Charter 64481
NCUA · 1 branch
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.56% | -6.05% | -4.68% | 0.85% | -2.49% | -1.58% | -0.24% | -4.84% | -569 bps | |
| Return on Equity | -84.25% | -53.17% | -41.32% | 7.38% | -24.11% | -16.32% | -2.31% | -44.35% | -5,174 bps | |
| Net Interest Margin | 5.41% | 5.09% | 5.04% | 4.63% | 4.52% | 4.37% | 4.25% | 4.00% | -63 bps | |
| Efficiency Ratio | 79.89% | 81.21% | 88.10% | 70.62% | 79.12% | 86.90% | 135.46% | 97.38% | +2,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.02% | -11.59% | -10.09% | -7.35% | -1.43% | 3.54% | 6.12% | 3.12% | +1,047 bps | |
| Loan Growth (YoY) | 0.97% | -15.08% | -16.72% | -24.06% | -21.80% | -17.96% | -21.61% | -15.52% | +854 bps | |
| Share Growth (YoY) | -5.60% | -8.74% | -6.93% | -3.17% | -0.04% | 5.72% | 7.49% | 3.90% | +707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.02% | 0.86% | 0.19% | 5.83% | 0.00% | 0.19% | 0.16% | 1.52% | -431 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 | 6.60% | 2.27% | 2.35% | 3.18% | 2.18% | 2.43% | 2.00% | 2.22% | -95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.35% | 11.37% | 11.33% | 11.56% | 10.34% | 9.69% | 10.44% | 10.90% | -66 bps | |
| Net Worth / Assets | 11.35% | 11.37% | 11.33% | 11.56% | 10.34% | 9.69% | 10.44% | 10.90% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.96% | 89.52% | 86.66% | 76.66% | 74.28% | 69.47% | 63.20% | 62.33% | -1,433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |