Marion, IL · Charter 64788
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.42% | -0.38% | 0.12% | -0.36% | -0.57% | +85 bps | |
| Return on Equity | -7.87% | -1.92% | 0.67% | -1.53% | -2.91% | +495 bps | |
| Net Interest Margin | 3.17% | 3.32% | 3.00% | 3.98% | 4.64% | +147 bps | |
| Efficiency Ratio | 144.25% | 110.51% | 96.35% | 108.46% | 112.11% | -3,214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.37% | -18.41% | -11.47% | -3.53% | -7.86% | -649 bps | |
| Loan Growth (YoY) | 3.82% | -11.94% | 12.13% | 12.22% | 9.52% | +570 bps | |
| Share Growth (YoY) | -0.85% | -21.63% | -13.55% | -4.13% | -9.53% | -868 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.48% | 4.65% | 3.21% | 15.86% | 4.24% | -224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.38% | 10.50% | 8.40% | 9.08% | 9.45% | -93 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.07% | 19.69% | 17.70% | 23.45% | 19.55% | +148 bps | |
| Net Worth / Assets | 18.07% | 19.69% | 17.70% | 23.45% | 19.55% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.75% | 27.48% | 30.52% | 41.06% | 29.96% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |