Collinsville, IL · Charter 65962
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.95% | -0.95% | -0.99% | -0.69% | -0.75% | -0.80% | -0.80% | -1.52% | -83 bps | |
| Return on Equity | -10.23% | -10.64% | -11.34% | -8.03% | -8.84% | -9.71% | -10.10% | -17.41% | -938 bps | |
| Net Interest Margin | 1.48% | 1.52% | 1.59% | 1.92% | 1.80% | 1.81% | 1.82% | 2.36% | +45 bps | |
| Efficiency Ratio | 155.10% | 156.47% | 157.40% | 135.88% | 141.37% | 144.11% | 143.80% | 163.24% | +2,736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 3.98% | 2.92% | 0.28% | -0.93% | -2.07% | 0.17% | -13.09% | -1,337 bps | |
| Loan Growth (YoY) | 10.38% | 33.67% | 40.35% | 44.35% | 20.51% | 29.99% | 31.03% | 31.62% | -1,273 bps | |
| Share Growth (YoY) | 0.39% | 5.75% | 4.44% | 1.33% | -0.04% | -1.35% | 1.08% | -13.24% | -1,458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 0.57% | 1.36% | 0.30% | 0.22% | 0.00% | 0.35% | 0.29% | 0 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 | 3.84% | 2.38% | 2.33% | 2.25% | 2.51% | 1.74% | 1.80% | 1.74% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.24% | 8.93% | 8.75% | 8.54% | 8.43% | 8.25% | 7.94% | 8.73% | +18 bps | |
| Net Worth / Assets | 9.24% | 8.93% | 8.75% | 8.54% | 8.43% | 8.25% | 7.94% | 8.73% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.36% | 32.25% | 34.14% | 35.06% | 31.78% | 42.50% | 44.26% | 53.18% | +1,813 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |