Calumet City, IL · Charter 66019
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Calumet City, IL · Charter 66019
NCUA · 1 branch
Q3 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.52% | 0.33% | 0.23% | 0.49% | 0.32% | 6.49% | -0.11% | -34 bps | |
| Return on Equity | 4.24% | 3.77% | 2.62% | 1.67% | 3.63% | 2.50% | 48.72% | -0.80% | -247 bps | |
| Net Interest Margin | 3.26% | 2.96% | 2.53% | 2.83% | 2.74% | 2.79% | 8.97% | 3.06% | +24 bps | |
| Efficiency Ratio | 65.29% | 82.52% | 87.07% | 91.67% | 82.20% | 88.38% | 27.82% | 83.10% | -857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.15% | -0.90% | 4.79% | 2.80% | 7.58% | 9.62% | -2.54% | 3.56% | +75 bps | |
| Loan Growth (YoY) | -15.56% | -17.72% | -15.91% | -14.48% | -10.03% | -1.95% | -0.57% | -1.15% | +1,332 bps | |
| Share Growth (YoY) | 2.55% | -1.27% | 4.90% | 2.65% | 8.20% | 10.59% | -3.36% | 3.89% | +124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 0.40% | 0.48% | 0.15% | 0.12% | 0.29% | 1.01% | 0.27% | +12 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 | 3.86% | 3.70% | 3.85% | 4.18% | 4.33% | 4.49% | 2.71% | 4.04% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.99% | 13.77% | 12.57% | 13.96% | 13.49% | 12.99% | 13.31% | 13.69% | -27 bps | |
| Net Worth / Assets | 13.99% | 13.77% | 12.57% | 13.96% | 13.49% | 12.99% | 13.31% | 13.69% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.74% | 27.17% | 24.83% | 27.69% | 25.56% | 24.09% | 25.54% | 26.34% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |