Champaign, IL · Charter 66812
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 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.
Champaign, IL · Charter 66812
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.45% | -0.51% | -0.35% | -3.63% | -335 bps | |
| Return on Equity | -2.63% | -4.29% | -5.04% | -3.43% | -46.66% | -4,403 bps | |
| Net Interest Margin | 3.92% | 3.63% | 3.65% | 3.70% | 3.99% | +7 bps | |
| Efficiency Ratio | 106.84% | 111.48% | 113.30% | 109.08% | 177.75% | +7,091 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.10% | -5.60% | 3.17% | 4.25% | -5.70% | -160 bps | |
| Loan Growth (YoY) | 3.70% | -3.44% | -0.32% | -2.12% | 2.50% | -120 bps | |
| Share Growth (YoY) | -4.34% | -5.87% | 4.04% | 5.34% | -5.17% | -83 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 0.51% | 0.84% | 0.65% | 1.76% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.02% | 1.01% | 0.73% | 1.14% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.39% | 10.18% | 10.32% | 7.79% | -298 bps | |
| Net Worth / Assets | 10.76% | 10.39% | 10.18% | 10.32% | 7.79% | -298 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.54% | 84.25% | 84.86% | 85.94% | 95.70% | +716 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |