Chicago, IL · Charter 68176
NCUA · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | 0.78% | 0.71% | 0.49% | 0.04% | 0.61% | 0.07% | 0.01% | -48 bps | |
| Return on Equity | -2.02% | 2.73% | 2.55% | 1.74% | 0.16% | 2.33% | 0.28% | 0.04% | -170 bps | |
| Net Interest Margin | 2.55% | 2.68% | 2.39% | 2.19% | 1.68% | 1.48% | 1.39% | 1.39% | -80 bps | |
| Efficiency Ratio | 81.29% | 71.17% | 70.56% | 78.05% | 104.04% | 59.64% | 95.01% | 108.86% | +3,081 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.08% | -1.56% | 2.37% | 2.65% | 6.60% | 9.38% | 8.20% | 8.46% | +581 bps | |
| Loan Growth (YoY) | 0.78% | -4.89% | -19.86% | -18.43% | -22.46% | -19.44% | -11.04% | -18.54% | -11 bps | |
| Share Growth (YoY) | -2.07% | -1.43% | 3.77% | 4.20% | 8.66% | 12.99% | 11.59% | 12.15% | +794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.55% | 1.92% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.94% | 3.26% | 2.92% | 2.93% | 3.01% | 2.75% | 2.17% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.10% | 28.56% | 27.84% | 28.00% | 27.34% | 26.13% | 25.48% | 25.52% | -247 bps | |
| Net Worth / Assets | 29.10% | 28.56% | 27.84% | 28.00% | 27.34% | 26.13% | 25.48% | 25.52% | -247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.36% | 53.76% | 46.38% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |