Chicago, IL · Charter 65932
NCUA · 3 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | -1.23% | -1.03% | -0.40% | -0.67% | -2.53% | -4.73% | -4.94% | -454 bps | |
| Return on Equity | 15.79% | -13.28% | -11.35% | -4.34% | -7.89% | -34.14% | -106.99% | -137.45% | -13,311 bps | |
| Net Interest Margin | 3.83% | 3.52% | 3.43% | 3.37% | 3.32% | 2.92% | 3.14% | 3.30% | -6 bps | |
| Efficiency Ratio | 67.83% | 110.39% | 110.13% | 94.73% | 97.87% | 123.14% | 121.55% | 124.28% | +2,955 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.76% | -9.89% | -10.79% | 1.21% | 4.27% | 10.10% | 5.02% | 0.52% | -68 bps | |
| Loan Growth (YoY) | 8.53% | 1.64% | 5.73% | 5.92% | 16.46% | 20.43% | 21.14% | 10.98% | +506 bps | |
| Share Growth (YoY) | -8.39% | -7.71% | -6.98% | 4.69% | 6.68% | 12.37% | 10.47% | 7.08% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.97% | 1.69% | 0.87% | 1.25% | 2.55% | 3.09% | 3.18% | +231 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 | 1.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.03% | 9.24% | 9.11% | 9.17% | 8.50% | 7.41% | 4.42% | 3.59% | -558 bps | |
| Net Worth / Assets | 11.03% | 9.24% | 9.11% | 9.17% | 8.50% | 7.41% | 4.42% | 3.59% | -558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.30% | 61.31% | 63.35% | 64.85% | 69.10% | 65.71% | 69.47% | 67.21% | +236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |