Chicago, IL · Charter 68176
NCUA · 1 branch
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.04% | 0.61% | 0.07% | 0.01% | -48 bps | |
| Return on Equity | 1.74% | 0.16% | 2.33% | 0.28% | 0.04% | -170 bps | |
| Net Interest Margin | 2.19% | 1.68% | 1.48% | 1.39% | 1.39% | -80 bps | |
| Efficiency Ratio | 78.05% | 104.04% | 59.64% | 95.01% | 108.86% | +3,081 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.65% | 6.60% | 9.38% | 8.20% | 8.46% | +581 bps | |
| Loan Growth (YoY) | -18.43% | -22.46% | -19.44% | -11.04% | -18.54% | -11 bps | |
| Share Growth (YoY) | 4.20% | 8.66% | 12.99% | 11.59% | 12.15% | +794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 1.92% | 2.13% | 1.78% | 1.08% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 2.93% | 3.01% | 2.75% | 2.17% | -76 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.00% | 27.34% | 26.13% | 25.48% | 25.52% | -247 bps | |
| Net Worth / Assets | 28.00% | 27.34% | 26.13% | 25.48% | 25.52% | -247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.59% | 42.36% | 38.33% | 36.97% | 35.29% | -1,329 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |