Naperville, IL · Charter 68214
NCUA · 5 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Naperville, IL · Charter 68214
NCUA · 5 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.52% | 0.50% | 0.60% | 0.70% | 0.71% | 0.73% | 0.82% | +22 bps | |
| Return on Equity | 3.41% | 4.42% | 4.23% | 5.10% | 6.19% | 6.51% | 6.54% | 7.47% | +237 bps | |
| Net Interest Margin | 4.25% | 4.28% | 4.25% | 4.18% | 4.01% | 3.82% | 3.97% | 3.88% | -31 bps | |
| Efficiency Ratio | 75.86% | 75.89% | 75.25% | 74.46% | 73.96% | 70.55% | 70.40% | 69.36% | -509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | 4.98% | 7.13% | 8.11% | 9.58% | 15.84% | 12.69% | 15.35% | +725 bps | |
| Loan Growth (YoY) | 4.09% | 2.59% | 1.98% | 3.64% | 7.90% | 9.76% | 13.31% | 12.98% | +934 bps | |
| Share Growth (YoY) | 1.33% | 4.83% | 7.48% | 8.79% | 10.24% | 17.76% | 13.72% | 16.33% | +755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.35% | 0.90% | 0.66% | 0.74% | 0.59% | 0.72% | 0.84% | +19 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 | 1.32% | 1.31% | 1.15% | 0.98% | 1.05% | 1.16% | 1.12% | 1.09% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.70% | 11.85% | 11.74% | 11.75% | 11.33% | 10.89% | 11.18% | 11.01% | -74 bps | |
| Net Worth / Assets | 11.70% | 11.85% | 11.74% | 11.75% | 11.33% | 10.89% | 11.18% | 11.01% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.24% | 92.35% | 91.30% | 89.05% | 87.35% | 86.07% | 90.98% | 86.48% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |