Champaign, IL · Charter 81530
NCUA · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -1.35% | -2.52% | -1.32% | -0.92% | -1.08% | 0.01% | -2.40% | -108 bps | |
| Return on Equity | -4.70% | -8.76% | -17.26% | -8.95% | -5.70% | -6.32% | 0.07% | -15.00% | -605 bps | |
| Net Interest Margin | 2.03% | 2.07% | 2.07% | 2.05% | 2.25% | 2.49% | 3.04% | 2.74% | +69 bps | |
| Efficiency Ratio | 115.20% | 116.39% | 139.96% | 122.23% | 112.98% | 111.21% | 99.60% | 182.94% | +6,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 9.07% | 4.47% | 4.94% | -6.20% | -14.80% | -16.89% | -15.90% | -2,084 bps | |
| Loan Growth (YoY) | 17.99% | 6.99% | -1.76% | -0.02% | -10.87% | -10.24% | -7.42% | -13.40% | -1,338 bps | |
| Share Growth (YoY) | 6.35% | 12.69% | 7.33% | 7.95% | -5.65% | -16.39% | -19.47% | -17.16% | -2,511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 1.16% | 1.02% | 1.75% | 1.06% | 2.16% | 2.69% | 0.89% | -86 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 | 0.67% | 0.64% | 1.52% | 1.56% | 1.39% | 1.71% | 2.03% | 2.15% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.60% | 15.45% | 14.62% | 14.70% | 16.15% | 17.03% | 17.26% | 15.98% | +128 bps | |
| Net Worth / Assets | 16.60% | 15.45% | 14.62% | 14.70% | 16.15% | 17.03% | 17.26% | 15.98% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.00% | 66.78% | 60.64% | 61.52% | 68.01% | 71.69% | 69.71% | 64.32% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |