Chicago, IL · Charter 81200
NCUA · 1 branch
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.02% | 0.06% | 0.29% | 0.34% | 0.09% | 0.33% | -1.79% | -208 bps | |
| Return on Equity | 1.15% | 0.12% | 0.42% | 1.86% | 1.97% | 0.49% | 1.84% | -9.23% | -1,108 bps | |
| Net Interest Margin | 1.57% | 1.66% | 1.79% | 1.90% | 2.17% | 1.95% | 2.21% | 1.88% | -2 bps | |
| Efficiency Ratio | 87.79% | 88.34% | 87.87% | 80.90% | 81.92% | 91.42% | 85.63% | 189.28% | +10,838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -6.01% | -10.22% | -12.91% | -18.44% | -16.95% | -16.68% | -23.00% | -1,009 bps | |
| Loan Growth (YoY) | 1.43% | 7.38% | 4.38% | 7.78% | 10.91% | 4.59% | 4.91% | 0.29% | -750 bps | |
| Share Growth (YoY) | -4.49% | -6.96% | -11.82% | -15.05% | -20.23% | -19.87% | -19.73% | -26.53% | -1,149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.97% | 0.77% | 0.71% | 0.85% | 0.63% | 0.44% | 0.39% | -32 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 | 1.28% | 1.30% | 1.06% | 1.03% | 1.09% | 0.88% | 0.89% | 0.00% | -103 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.80% | 14.30% | 14.88% | 15.71% | 17.05% | 17.31% | 18.02% | 19.41% | +371 bps | |
| Net Worth / Assets | 13.80% | 14.30% | 14.88% | 15.71% | 17.05% | 17.31% | 18.02% | 19.41% | +371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.82% | 37.51% | 39.20% | 41.87% | 48.42% | 48.97% | 51.23% | 57.15% | +1,528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |