Metropolis, IL · Charter 65368
NCUA · 3 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -1.71% | -0.91% | -0.64% | -1.81% | -0.93% | 0.61% | -0.80% | -17 bps | |
| Return on Equity | -4.04% | -9.70% | -5.34% | -3.65% | -10.70% | -5.52% | 3.63% | -4.85% | -119 bps | |
| Net Interest Margin | 6.19% | 5.30% | 5.24% | 5.36% | 5.38% | 5.20% | 4.82% | 3.86% | -150 bps | |
| Efficiency Ratio | 99.41% | 119.83% | 111.23% | 107.77% | 109.89% | 116.92% | 105.89% | 134.32% | +2,655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.94% | -7.24% | -2.76% | -0.30% | -0.72% | -1.41% | -4.31% | -5.76% | -547 bps | |
| Loan Growth (YoY) | -0.73% | 5.49% | 4.98% | 6.07% | 10.81% | -2.27% | -2.74% | 1.67% | -441 bps | |
| Share Growth (YoY) | -15.23% | -7.92% | -2.55% | 1.07% | 0.49% | -0.38% | -3.72% | -4.23% | -530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.57% | 0.00% | 0.74% | 0.08% | 0.08% | 2.58% | 3.08% | +234 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 | 0.95% | 0.95% | 0.90% | 0.93% | 1.23% | 1.26% | 1.15% | 1.14% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.49% | 17.64% | 17.11% | 17.42% | 16.88% | 16.78% | 16.93% | 16.55% | -87 bps | |
| Net Worth / Assets | 18.49% | 17.64% | 17.11% | 17.42% | 16.88% | 16.78% | 16.93% | 16.55% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.23% | 78.21% | 79.48% | 78.91% | 80.75% | 76.72% | 80.29% | 83.76% | +485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |