Quincy, IL · Charter 65483
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.57% | 0.51% | 0.41% | 0.58% | -6 bps | |
| Return on Equity | 3.81% | 3.22% | 2.86% | 2.25% | 2.96% | -85 bps | |
| Net Interest Margin | 3.04% | 3.16% | 2.94% | 3.13% | 3.30% | +27 bps | |
| Efficiency Ratio | 78.01% | 81.39% | 81.19% | 82.30% | 80.19% | +218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.21% | -15.30% | -11.07% | -11.81% | -12.44% | +178 bps | |
| Loan Growth (YoY) | -1.19% | -3.56% | -4.97% | -3.38% | -8.63% | -744 bps | |
| Share Growth (YoY) | -17.07% | -18.45% | -13.62% | -14.49% | -15.48% | +159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.00% | 0.00% | 0.70% | 0.73% | +44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.86% | 0.91% | 0.82% | 0.86% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.79% | 17.64% | 17.75% | 18.18% | 19.69% | +289 bps | |
| Net Worth / Assets | 16.79% | 17.64% | 17.75% | 18.18% | 19.69% | +289 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.71% | 54.50% | 54.17% | 57.87% | 60.23% | +451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |