Decatur, IL · Charter 65831
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Decatur, IL · Charter 65831
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.78% | -2.07% | -2.35% | -3.45% | -3.01% | -122 bps | |
| Return on Equity | -8.89% | -10.13% | -11.40% | -17.19% | -13.09% | -420 bps | |
| Net Interest Margin | 1.23% | 1.30% | 1.33% | 1.15% | 1.27% | +4 bps | |
| Efficiency Ratio | 216% | 231% | 258% | 373% | 317% | +10,040 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | -7.84% | -11.44% | -12.01% | -23.06% | -1,893 bps | |
| Loan Growth (YoY) | -0.80% | -3.00% | -16.52% | -22.87% | -28.76% | -2,796 bps | |
| Share Growth (YoY) | -2.72% | -7.49% | -12.15% | -11.97% | -25.83% | -2,311 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.90% | 1.56% | 1.64% | 2.02% | 5.47% | +157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.39% | 4.42% | 5.01% | 5.67% | 6.26% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.05% | 20.42% | 20.60% | 20.05% | 22.98% | +293 bps | |
| Net Worth / Assets | 20.05% | 20.42% | 20.60% | 20.05% | 22.98% | +293 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.89% | 26.15% | 23.99% | 21.99% | 23.91% | -98 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |