Edwardsville, IL · Charter 66101
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Edwardsville, IL · Charter 66101
NCUA · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.55% | -0.98% | -1.01% | -0.66% | -0.63% | -2.04% | -1.31% | -30 bps | |
| Return on Equity | -4.78% | -4.43% | -9.01% | -9.64% | -6.45% | -5.67% | -21.09% | -14.29% | -465 bps | |
| Net Interest Margin | 3.03% | 3.47% | 3.40% | 3.07% | 3.07% | 3.28% | 3.61% | 3.22% | +16 bps | |
| Efficiency Ratio | 116.63% | 115.29% | 128.34% | 132.09% | 120.94% | 118.48% | 154.17% | 138.86% | +678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.90% | 1.12% | -3.40% | -1.45% | 1.01% | 6.13% | 1.94% | 4.08% | +553 bps | |
| Loan Growth (YoY) | 17.91% | 13.82% | 11.18% | -0.98% | -6.97% | 2.92% | -8.22% | -7.66% | -668 bps | |
| Share Growth (YoY) | 3.98% | 1.86% | -3.05% | -1.64% | 1.15% | 7.83% | 2.22% | 5.88% | +752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 2.76% | 1.18% | 1.48% | 3.01% | 3.12% | 3.68% | 3.38% | +190 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 | 5.33% | 5.59% | 5.92% | 6.14% | 5.91% | 5.60% | 3.22% | 2.88% | -325 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.90% | 12.39% | 10.91% | 10.46% | 10.21% | 11.04% | 9.66% | 9.14% | -133 bps | |
| Net Worth / Assets | 10.90% | 12.39% | 10.91% | 10.46% | 10.21% | 11.04% | 9.66% | 9.14% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.50% | 57.18% | 49.06% | 46.92% | 47.36% | 54.58% | 44.05% | 40.92% | -600 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |