Quincy, IL · Charter 65483
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.59% | 0.54% | 0.64% | 0.57% | 0.51% | 0.41% | 0.58% | -6 bps | |
| Return on Equity | 1.60% | 3.87% | 3.49% | 3.81% | 3.22% | 2.86% | 2.25% | 2.96% | -85 bps | |
| Net Interest Margin | 2.78% | 2.80% | 2.85% | 3.04% | 3.16% | 2.94% | 3.13% | 3.30% | +27 bps | |
| Efficiency Ratio | 79.36% | 75.04% | 79.22% | 78.01% | 81.39% | 81.19% | 82.30% | 80.19% | +218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -11.46% | -12.38% | -14.21% | -15.30% | -11.07% | -11.81% | -12.44% | +178 bps | |
| Loan Growth (YoY) | -7.92% | -7.21% | -5.18% | -1.19% | -3.56% | -4.97% | -3.38% | -8.63% | -744 bps | |
| Share Growth (YoY) | 1.72% | -13.55% | -14.67% | -17.07% | -18.45% | -13.62% | -14.49% | -15.48% | +159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.73% | 0.75% | 0.77% | 0.86% | 0.91% | 0.82% | 0.86% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.46% | 15.32% | 15.62% | 16.79% | 17.64% | 17.75% | 18.18% | 19.69% | +289 bps | |
| Net Worth / Assets | 14.46% | 15.32% | 15.62% | 16.79% | 17.64% | 17.75% | 18.18% | 19.69% | +289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.09% | 49.24% | 51.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |