Quincy, IL · Charter 64511
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.14% | -0.18% | -0.18% | -3.23% | -309 bps | |
| Return on Equity | -0.83% | -0.82% | -1.10% | -1.11% | -21.28% | -2,045 bps | |
| Net Interest Margin | 2.58% | 2.69% | 2.77% | 2.72% | 2.66% | +7 bps | |
| Efficiency Ratio | 99.05% | 99.02% | 100.22% | 100.25% | 227% | +12,827 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.02% | -0.93% | 0.35% | 1.68% | 0.39% | +37 bps | |
| Loan Growth (YoY) | -2.10% | -3.93% | -6.28% | -3.79% | -0.25% | +185 bps | |
| Share Growth (YoY) | 0.11% | -0.92% | 0.74% | 2.21% | 1.35% | +124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.49% | 0.69% | 0.66% | 0.53% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.42% | 0.56% | 0.71% | 0.53% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.19% | 16.49% | 16.79% | 16.49% | 15.17% | -101 bps | |
| Net Worth / Assets | 16.19% | 16.49% | 16.79% | 16.49% | 15.17% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.13% | 41.57% | 42.72% | 41.46% | 39.49% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |