Metamora, IL · Charter 65230
NCUA · 2 branches
Q4 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | -0.36% | -0.40% | -0.76% | -0.50% | -120 bps | |
| Return on Equity | 4.33% | -2.17% | -2.43% | -4.55% | -3.06% | -739 bps | |
| Net Interest Margin | 3.73% | 3.06% | 2.93% | 2.91% | 3.06% | -67 bps | |
| Efficiency Ratio | 82.96% | 111.31% | 112.78% | 124.28% | 115.61% | +3,265 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.90% | -15.67% | -8.94% | -10.12% | -5.64% | +1,026 bps | |
| Loan Growth (YoY) | -7.24% | -4.02% | -9.12% | -2.02% | 2.86% | +1,010 bps | |
| Share Growth (YoY) | -18.81% | -18.59% | -10.73% | -11.85% | -6.15% | +1,266 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 3.26% | 7.12% | 1.97% | 5.33% | +330 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.62% | 2.60% | 2.09% | 2.18% | 2.18% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.01% | 16.51% | 16.39% | 16.66% | 16.46% | +45 bps | |
| Net Worth / Assets | 16.01% | 16.51% | 16.39% | 16.66% | 16.46% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.73% | 52.79% | 51.71% | 52.48% | 52.31% | +458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |