Springfield, IL · Charter 65624
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.55% | -1.10% | -2.71% | -2.61% | -5.13% | -457 bps | |
| Return on Equity | -4.51% | -9.67% | -26.33% | -23.08% | -54.97% | -5,046 bps | |
| Net Interest Margin | 3.54% | 3.33% | 2.43% | 2.81% | 1.93% | -161 bps | |
| Efficiency Ratio | 111.72% | 124.67% | 193.69% | 168.85% | 272% | +16,037 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | 1.22% | 2.19% | -8.98% | -12.23% | -1,202 bps | |
| Loan Growth (YoY) | -30.83% | -28.36% | -27.82% | -27.96% | -21.17% | +966 bps | |
| Share Growth (YoY) | 1.46% | 3.42% | 4.73% | -8.29% | -9.39% | -1,085 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.59% | 2.40% | 1.28% | 0.76% | 0.47% | -212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.13% | 4.18% | 4.07% | 4.16% | 4.40% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.26% | 11.43% | 10.29% | 11.32% | 9.33% | -294 bps | |
| Net Worth / Assets | 12.26% | 11.43% | 10.29% | 11.32% | 9.33% | -294 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.86% | 33.56% | 28.43% | 30.46% | 31.20% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |