Decatur, IL · Charter 65842
NCUA · 1 branch
Q4 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.42% | -0.61% | -0.42% | 0.67% | 1.33% | 1.02% | -0.05% | +38 bps | |
| Return on Equity | -3.07% | -4.58% | -6.71% | -4.52% | 7.09% | 13.18% | 8.90% | -0.36% | +417 bps | |
| Net Interest Margin | 1.51% | 1.50% | 1.52% | 1.60% | 2.71% | 3.46% | 3.52% | 4.26% | +266 bps | |
| Efficiency Ratio | 105.19% | 112.64% | 124.61% | 122.78% | 77.81% | 64.49% | 73.29% | 101.13% | -2,165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | 0.36% | -2.52% | -4.22% | -4.45% | -4.22% | -13.45% | -26.19% | -2,197 bps | |
| Loan Growth (YoY) | -19.76% | -25.75% | -13.30% | -14.80% | -8.76% | 1.27% | 3.00% | 8.04% | +2,284 bps | |
| Share Growth (YoY) | 1.35% | 1.74% | -1.00% | -3.87% | -4.76% | -5.47% | -15.89% | -28.78% | -2,490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.22% | 0.27% | 0.05% | 0.03% | 0.03% | 0.79% | 0.18% | +13 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 | 1.74% | 2.01% | 2.01% | 1.34% | 1.44% | 1.63% | 1.58% | 0.40% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.21% | 9.20% | 9.08% | 9.38% | 9.46% | 10.06% | 11.46% | 12.67% | +329 bps | |
| Net Worth / Assets | 9.21% | 9.20% | 9.08% | 9.38% | 9.46% | 10.06% | 11.46% | 12.67% | +329 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.79% | 22.88% | 24.38% | 24.60% | 23.74% | 24.51% | 29.86% | 37.32% | +1,272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |