Alton, IL · Charter 65794
NCUA · 1 branch
Q1 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -1.21% | -1.34% | -1.98% | -1.49% | -1.47% | -1.96% | -2.51% | -54 bps | |
| Return on Equity | -4.28% | -4.43% | -5.00% | -7.78% | -6.12% | -6.04% | -8.44% | -11.49% | -371 bps | |
| Net Interest Margin | 1.96% | 1.98% | 1.95% | 1.61% | 1.47% | 1.41% | 0.98% | -0.11% | -172 bps | |
| Efficiency Ratio | 151.70% | 155.15% | 163.78% | 223% | 182.49% | 179.69% | 250% | 354% | +13,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 3.78% | 1.78% | 0.81% | 6.30% | 5.14% | 6.66% | 6.14% | +533 bps | |
| Loan Growth (YoY) | 14.87% | 41.85% | 9.91% | -2.86% | -5.07% | -26.00% | -22.33% | -18.62% | -1,576 bps | |
| Share Growth (YoY) | 10.97% | 7.38% | 4.41% | 3.12% | 10.83% | 9.27% | 11.97% | 11.17% | +806 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.99% | 0.84% | 0.95% | 1.00% | 1.05% | 1.14% | 1.23% | 1.23% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.52% | 27.26% | 26.85% | 25.40% | 24.44% | 24.41% | 23.22% | 21.87% | -353 bps | |
| Net Worth / Assets | 27.52% | 27.26% | 26.85% | 25.40% | 24.44% | 24.41% | 23.22% | 21.87% | -353 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.76% | 90.52% | 79.47% | 71.75% | 65.74% | 61.30% | 55.13% | 52.52% | -1,923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |