Decatur, IL · Charter 65831
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -2.02% | -1.69% | -1.78% | -2.07% | -2.35% | -3.45% | -3.01% | -122 bps | |
| Return on Equity | -11.05% | -10.01% | -8.33% | -8.89% | -10.13% | -11.40% | -17.19% | -13.09% | -420 bps | |
| Net Interest Margin | 1.14% | 1.19% | 1.22% | 1.23% | 1.30% | 1.33% | 1.15% | 1.27% | +4 bps | |
| Efficiency Ratio | 270% | 257% | 206% | 216% | 231% | 258% | 373% | 317% | +10,040 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.80% | -13.54% | -9.11% | -4.13% | -7.84% | -11.44% | -12.01% | -23.06% | -1,893 bps | |
| Loan Growth (YoY) | -6.24% | -2.26% | -3.66% | -0.80% | -3.00% | -16.52% | -22.87% | -28.76% | -2,796 bps | |
| Share Growth (YoY) | -15.89% | -14.14% | -8.97% | -2.72% | -7.49% | -12.15% | -11.97% | -25.83% | -2,311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.82% | 4.53% | 1.85% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.44% | 4.34% | 4.30% | 4.39% | 4.42% | 5.01% | 5.67% | 6.26% | +187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.73% | 20.16% | 20.26% | 20.05% | 20.42% | 20.60% | 20.05% | 22.98% | +293 bps | |
| Net Worth / Assets | 20.73% | 20.16% | 20.26% | 20.05% | 20.42% | 20.60% | 20.05% | 22.98% | +293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.94% | 25.24% | 25.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |