Urbana, IL · Charter 68472
NCUA · 1 branch
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.
Urbana, IL · Charter 68472
NCUA · 1 branch
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 | -9.42% | -5.30% | -4.15% | -3.96% | -5.98% | -3.00% | -2.82% | -4.08% | -12 bps | |
| Return on Equity | -107.91% | -57.35% | -45.50% | -46.21% | -103.50% | -42.71% | -44.80% | -81.53% | -3,532 bps | |
| Net Interest Margin | 2.77% | 3.08% | 3.29% | 3.49% | 3.75% | 3.75% | 3.24% | 3.08% | -41 bps | |
| Efficiency Ratio | 111.73% | 110.26% | 116.91% | 111.65% | 122.00% | 103.60% | 113.46% | 108.63% | -303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.61% | -12.75% | -17.09% | -14.52% | -14.57% | -21.89% | -18.42% | -22.58% | -807 bps | |
| Loan Growth (YoY) | -37.04% | -32.12% | -21.76% | -14.40% | 5.31% | -17.64% | -39.20% | -51.96% | -3,756 bps | |
| Share Growth (YoY) | -9.93% | -8.73% | -13.35% | -12.46% | -10.98% | -19.99% | -15.89% | -19.56% | -710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.01% | 4.74% | 5.62% | 5.52% | 0.67% | 1.18% | 4.96% | 0.00% | -552 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 | 3.40% | 3.26% | 1.68% | 5.73% | 5.32% | 6.43% | 7.52% | 21.06% | +1,533 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 9.24% | 9.13% | 8.58% | 5.78% | 7.03% | 6.30% | 5.01% | -357 bps | |
| Net Worth / Assets | 8.73% | 9.24% | 9.13% | 8.58% | 5.78% | 7.03% | 6.30% | 5.01% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.47% | 24.24% | 28.60% | 29.15% | 25.40% | 24.95% | 20.67% | 17.41% | -1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |