Centralia, IL · Charter 66015
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 1.45% | 2.38% | 1.66% | 1.74% | +150 bps | |
| Return on Equity | 1.67% | 9.37% | 15.92% | 10.81% | 10.61% | +893 bps | |
| Net Interest Margin | 4.20% | 4.51% | 4.99% | 5.16% | 5.51% | +131 bps | |
| Efficiency Ratio | 85.21% | 67.91% | 59.62% | 58.57% | 60.75% | -2,446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | -3.10% | -4.71% | -5.17% | -9.05% | -883 bps | |
| Loan Growth (YoY) | -2.27% | 13.12% | 27.86% | 35.96% | 33.16% | +3,543 bps | |
| Share Growth (YoY) | -1.67% | -5.18% | -6.87% | -6.84% | -10.70% | -903 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 2.25% | 1.07% | 2.15% | 1.63% | -122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.36% | 0.53% | 1.26% | 1.04% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.13% | 15.46% | 14.98% | 15.38% | 16.41% | +228 bps | |
| Net Worth / Assets | 14.13% | 15.46% | 14.98% | 15.38% | 16.41% | +228 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.22% | 78.87% | 78.46% | 86.28% | 98.75% | +3,253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |