Springfield, IL · Charter 65760
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Springfield, IL · Charter 65760
NCUA · 1 branch
Q2 2020
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.33% | 0.52% | 0.36% | 0.33% | +29 bps | |
| Return on Equity | 0.36% | 2.59% | 4.08% | 2.66% | 2.59% | +223 bps | |
| Net Interest Margin | 2.84% | 3.03% | 2.96% | 2.94% | 2.76% | -8 bps | |
| Efficiency Ratio | 82.33% | 79.75% | 80.18% | 89.23% | 89.24% | +691 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.48% | -7.41% | -5.71% | -7.37% | -1.24% | +324 bps | |
| Loan Growth (YoY) | -0.52% | 2.84% | 7.64% | 4.89% | 6.57% | +709 bps | |
| Share Growth (YoY) | -5.48% | -8.77% | -7.01% | -9.03% | -2.05% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.36% | 2.47% | 2.34% | 0.42% | 0.52% | -184 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.39% | 1.11% | 1.16% | 1.12% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.01% | 12.74% | 12.84% | 13.42% | 12.82% | +81 bps | |
| Net Worth / Assets | 12.01% | 12.74% | 12.84% | 13.42% | 12.82% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.13% | 51.10% | 50.67% | 51.04% | 50.19% | +406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |