Quincy, IL · Charter 64511
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.11% | -0.01% | -0.13% | -0.14% | -0.18% | -0.18% | -3.23% | -309 bps | |
| Return on Equity | 0.72% | 0.63% | -0.09% | -0.83% | -0.82% | -1.10% | -1.11% | -21.28% | -2,045 bps | |
| Net Interest Margin | 2.68% | 2.79% | 2.78% | 2.58% | 2.69% | 2.77% | 2.72% | 2.66% | +7 bps | |
| Efficiency Ratio | 90.73% | 91.79% | 92.65% | 99.05% | 99.02% | 100.22% | 100.25% | 227% | +12,827 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 4.24% | 2.91% | 0.02% | -0.93% | 0.35% | 1.68% | 0.39% | +37 bps | |
| Loan Growth (YoY) | -1.44% | 1.49% | 0.56% | -2.10% | -3.93% | -6.28% | -3.79% | -0.25% | +185 bps | |
| Share Growth (YoY) | 2.81% | 5.01% | 3.62% | 0.11% | -0.92% | 0.74% | 2.21% | 1.35% | +124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.01% | 1.20% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.61% | 0.64% | 0.52% | 0.42% | 0.56% | 0.71% | 0.53% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.48% | 17.08% | 16.95% | 16.19% | 16.49% | 16.79% | 16.49% | 15.17% | -101 bps | |
| Net Worth / Assets | 16.48% | 17.08% | 16.95% | 16.19% | 16.49% | 16.79% | 16.49% | 15.17% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.87% | 45.92% | 44.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |