Riverdale, IL · Charter 81016
NCUA · 2 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 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.
Riverdale, IL · Charter 81016
NCUA · 2 branches
Q3 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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.11% | -1.57% | -0.86% | -1.01% | -0.24% | -2.89% | -2.40% | -154 bps | |
| Return on Equity | 0.78% | 0.35% | -4.85% | -2.53% | -2.82% | -0.65% | -8.39% | -6.84% | -432 bps | |
| Net Interest Margin | 3.72% | 3.79% | 4.02% | 4.11% | 4.31% | 3.70% | 3.62% | 3.52% | -59 bps | |
| Efficiency Ratio | 76.19% | 72.53% | 73.62% | 75.57% | 80.84% | 106.11% | 176.67% | 164.89% | +8,932 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -5.60% | -12.66% | -13.31% | -14.71% | -14.06% | -10.35% | -8.10% | +520 bps | |
| Loan Growth (YoY) | -8.82% | -9.57% | -12.68% | -16.13% | -17.47% | -21.64% | -28.40% | -30.28% | -1,414 bps | |
| Share Growth (YoY) | -11.88% | -13.86% | -17.76% | -21.80% | -20.21% | -19.20% | -12.57% | -5.31% | +1,649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.27% | 10.56% | 6.45% | 7.41% | 7.04% | 5.25% | 2.69% | 2.00% | -541 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 | 1.82% | 1.81% | 3.22% | 3.64% | 4.44% | 4.77% | 4.69% | 5.54% | +190 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.26% | 32.10% | 32.32% | 34.21% | 35.64% | 36.24% | 34.46% | 35.09% | +88 bps | |
| Net Worth / Assets | 31.26% | 32.10% | 32.32% | 34.21% | 35.64% | 36.24% | 34.46% | 35.09% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.80% | 32.47% | 31.11% | 33.67% | 32.90% | 31.49% | 25.47% | 24.79% | -888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |