Skokie, IL · Charter 68450
NCUA · 6 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.57% | 0.43% | 0.12% | 0.11% | -0.13% | -0.18% | -1.29% | -141 bps | |
| Return on Equity | 4.01% | 6.35% | 5.71% | 1.65% | 1.55% | -1.78% | -2.48% | -18.53% | -2,018 bps | |
| Net Interest Margin | 3.22% | 3.18% | 2.75% | 2.35% | 2.72% | 2.49% | 2.55% | 2.18% | -17 bps | |
| Efficiency Ratio | 82.92% | 77.42% | 78.54% | 94.80% | 83.81% | 87.42% | 85.37% | 124.86% | +3,005 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.96% | 25.76% | 44.59% | 47.37% | 38.35% | 47.47% | 22.52% | 22.29% | -2,508 bps | |
| Loan Growth (YoY) | 17.50% | 35.51% | 72.60% | 70.97% | 62.60% | 56.65% | 26.15% | 27.04% | -4,393 bps | |
| Share Growth (YoY) | 8.47% | 20.13% | 30.05% | 56.22% | 47.00% | 35.55% | 17.39% | -4.42% | -6,064 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.41% | 0.54% | 0.60% | 1.34% | 0.88% | 0.70% | 0.81% | +21 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 | 1.01% | 0.85% | 0.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.21% | 9.00% | 7.58% | 7.56% | 7.23% | 7.41% | 7.29% | 6.94% | -62 bps | |
| Net Worth / Assets | 9.21% | 9.00% | 7.58% | 7.56% | 7.23% | 7.41% | 7.29% | 6.94% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.94% | 98.64% | 111.36% | 93.31% | 102.80% | 114.00% | 119.68% | 124.02% | +3,071 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |