Rockford Bell
Rockford, IL · Charter 65955 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
$36.4MAssets
$33.2MLoans
$31.3MShares
$5.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets (rank 453 of 1757).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1598 of 1754).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.06%
Rank 1,480 of 1,761
Net Interest Margin
3.83%
Rank 710 of 1,761
Efficiency Ratio
98.73%
Rank 1,598 of 1,754
Equity / Assets
13.81%
Rank 671 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.26% | 0.70% | 1.22% | Beats 16% | 1,480 / 1,761 | |
| Return on Equity | 0.45% | 2.09% | 5.52% | 9.08% | Beats 16% | 1,488 / 1,761 | |
| Net Interest Margin | 3.83% | 3.03% | 3.59% | 4.25% | Beats 60% | 710 / 1,761 | |
| Efficiency Ratio | 98.73% | 68.95% | 77.94% | 87.14% | Beats 9% | 1,598 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.27% | Beats 74% | 453 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.81% | 10.05% | 12.42% | 15.87% | Beats 62% | 673 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.81% | 10.05% | 12.42% | 15.87% | Beats 62% | 671 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 106.21% | 56.21% | 73.13% | 85.64% | 97th pctl | 47 / 1,759 | |
| Loans / Assets | 91.24% | 47.85% | 62.48% | 73.19% | 99th pctl | 11 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |