Urbana, IL · Charter 68472
NCUA · 1 branch
Q4 2020
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.96% | -5.98% | -3.00% | -2.82% | -4.08% | -12 bps | |
| Return on Equity | -46.21% | -103.50% | -42.71% | -44.80% | -81.53% | -3,532 bps | |
| Net Interest Margin | 3.49% | 3.75% | 3.75% | 3.24% | 3.08% | -41 bps | |
| Efficiency Ratio | 111.65% | 122.00% | 103.60% | 113.46% | 108.63% | -303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.52% | -14.57% | -21.89% | -18.42% | -22.58% | -807 bps | |
| Loan Growth (YoY) | -14.40% | 5.31% | -17.64% | -39.20% | -51.96% | -3,756 bps | |
| Share Growth (YoY) | -12.46% | -10.98% | -19.99% | -15.89% | -19.56% | -710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.73% | 5.32% | 6.43% | 7.52% | 21.06% | +1,533 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.58% | 5.78% | 7.03% | 6.30% | 5.01% | -357 bps | |
| Net Worth / Assets | 8.58% | 5.78% | 7.03% | 6.30% | 5.01% | -357 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |