Evergreen Park, IL · Charter 65550
NCUA · 4 branches
Q2 2021
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -0.93% | -4.08% | -0.63% | -0.98% | -16 bps | |
| Return on Equity | -7.13% | -8.40% | -48.53% | -8.08% | -13.07% | -594 bps | |
| Net Interest Margin | 2.75% | 2.64% | 2.83% | 2.17% | 2.14% | -61 bps | |
| Efficiency Ratio | 114.19% | 117.71% | 161.75% | 115.56% | 125.76% | +1,156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.95% | 17.39% | 9.35% | 14.42% | -2.83% | -1,978 bps | |
| Loan Growth (YoY) | 16.95% | 5.59% | 3.06% | -2.98% | -14.56% | -3,151 bps | |
| Share Growth (YoY) | 10.51% | 12.82% | 14.52% | 19.02% | 8.60% | -192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 3.70% | 0.38% | 0.13% | 0.17% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.83% | 1.74% | 4.05% | 4.23% | 4.50% | +268 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.42% | 11.07% | 8.40% | 7.81% | 7.47% | -395 bps | |
| Net Worth / Assets | 11.42% | 11.07% | 8.40% | 7.81% | 7.47% | -395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.44% | 41.14% | 39.70% | 34.79% | 31.82% | -863 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |