Rockford, IL · Charter 65955
NCUA · 2 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.15% | -0.03% | 0.03% | -0.25% | 0.05% | 0.29% | 0.06% | +3 bps | |
| Return on Equity | 0.13% | -1.26% | -0.22% | 0.26% | -1.92% | 0.37% | 2.20% | 0.45% | +19 bps | |
| Net Interest Margin | 2.50% | 2.73% | 2.88% | 3.08% | 3.22% | 3.42% | 3.62% | 3.83% | +75 bps | |
| Efficiency Ratio | 99.57% | 104.18% | 100.71% | 99.19% | 100.40% | 98.34% | 93.74% | 98.72% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.38% | -13.79% | -7.22% | -10.48% | -11.01% | -7.62% | -8.16% | -9.07% | +141 bps | |
| Loan Growth (YoY) | 17.52% | 16.20% | 9.43% | 2.35% | -2.43% | -3.39% | -6.34% | -6.12% | -847 bps | |
| Share Growth (YoY) | -0.78% | -4.48% | -5.05% | -10.87% | -11.06% | -8.91% | -10.09% | -10.60% | +26 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.13% | 0.36% | 0.36% | 0.54% | 0.22% | 0.33% | 0.27% | -9 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 | 0.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 11.57% | 11.85% | 12.37% | 12.86% | 12.79% | 13.28% | 13.81% | +144 bps | |
| Net Worth / Assets | 11.25% | 11.57% | 11.85% | 12.37% | 12.86% | 12.79% | 13.28% | 13.81% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.60% | 94.85% | 98.48% | 101.13% | 101.58% | 100.59% | 102.59% | 106.21% | +508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |