Waukegan, IL · Charter 66016
NCUA · 2 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | 1.47% | 0.88% | 0.82% | 0.00% | 0.29% | 0.02% | 0.01% | -82 bps | |
| Return on Equity | -2.42% | 10.39% | 7.20% | 6.23% | 0.02% | 2.55% | 0.14% | 0.05% | -618 bps | |
| Net Interest Margin | 5.04% | 5.47% | 4.18% | 4.53% | 3.96% | 3.63% | 3.93% | 4.15% | -38 bps | |
| Efficiency Ratio | 106.87% | 73.54% | 79.13% | 82.06% | 99.95% | 92.11% | 99.56% | 99.83% | +1,777 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.83% | -21.78% | 3.80% | 11.89% | 26.97% | 21.88% | -7.34% | -3.46% | -1,535 bps | |
| Loan Growth (YoY) | 18.33% | 5.74% | 7.64% | 1.53% | -3.93% | 4.37% | -6.19% | 4.01% | +247 bps | |
| Share Growth (YoY) | -24.81% | -24.81% | 3.65% | 13.44% | 31.84% | 25.97% | -7.70% | -3.17% | -1,661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.00% | 0.00% | 0.00% | 0.00% | 0.43% | 0.00% | 0.00% | 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 | 0.52% | 0.57% | 0.31% | 0.41% | 0.53% | 0.57% | 0.61% | 0.56% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.62% | 14.11% | 12.26% | 13.23% | 11.51% | 11.41% | 12.83% | 13.13% | -9 bps | |
| Net Worth / Assets | 14.62% | 14.11% | 12.26% | 13.23% | 11.51% | 11.41% | 12.83% | 13.13% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.08% | 95.87% | 87.56% | 93.12% | 78.76% | 79.44% | 89.00% | 100.02% | +690 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |