PackageTrendsPeer
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Electrogas

Alton, IL · Charter 65794

NCUA · 1 branch

Q1 2021

$1.2MAssets
$508KLoans
$968KShares
$271KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.51%, down 54 bps year over year; NIM at -0.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.87%, down 353 bps from a year ago.
  • Funding: loans stand at 52.52% of shares as of Q1 2021.

Financial Results

Return on Assets (quarter, annualized)

-2.51%-54 bps YoY

Net Interest Margin (quarter, annualized)

-0.11%-172 bps YoY

Efficiency Ratio (quarter, annualized)

354%+13,120 bps YoY

Net Worth / Assets

21.87%-353 bps YoY

Discrete quarter, annualized.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-1.98%-1.49%-1.47%-1.96%-2.51%-54 bps
Return on Equity-7.78%-6.12%-6.04%-8.44%-11.49%-371 bps
Net Interest Margin1.61%1.47%1.41%0.98%-0.11%-172 bps
Efficiency Ratio223%182.49%179.69%250%354%+13,120 bps
Growth
Asset Growth (YoY)0.81%6.30%5.14%6.66%6.14%+533 bps
Loan Growth (YoY)-2.86%-5.07%-26.00%-22.33%-18.62%-1,576 bps
Share Growth (YoY)3.12%10.83%9.27%11.97%11.17%+806 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.05%1.14%1.23%1.23%+23 bps
Capital
Risk-Based Capital25.40%24.44%24.41%23.22%21.87%-353 bps
Net Worth / Assets25.40%24.44%24.41%23.22%21.87%-353 bps
Liquidity & Funding
Loans / Shares71.75%65.74%61.30%55.13%52.52%-1,923 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps