Danville, IL · Charter 81540
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Danville, IL · Charter 81540
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.66% | 0.63% | 0.16% | 0.25% | 0.21% | -0.29% | -0.64% | -80 bps | |
| Return on Equity | 4.19% | 5.22% | 4.95% | 1.32% | 2.09% | 1.78% | -2.52% | -5.95% | -727 bps | |
| Net Interest Margin | 3.88% | 3.99% | 4.08% | 4.12% | 3.93% | 3.91% | 4.02% | 3.93% | -19 bps | |
| Efficiency Ratio | 87.74% | 85.38% | 86.30% | 87.10% | 89.99% | 90.80% | 90.38% | 89.83% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 3.28% | 6.36% | 10.17% | 10.23% | 7.79% | 5.89% | 7.85% | -232 bps | |
| Loan Growth (YoY) | 46.65% | 39.97% | 40.79% | 31.20% | 24.63% | 17.01% | 5.77% | 5.20% | -2,600 bps | |
| Share Growth (YoY) | 5.21% | 3.33% | 6.77% | 11.58% | 11.61% | 8.98% | 7.35% | 9.83% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.24% | 0.43% | 1.71% | 0.80% | 1.22% | 2.29% | 1.85% | +14 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% | 0.48% | 0.78% | 0.46% | 0.59% | 0.99% | 1.04% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 12.63% | 12.78% | 12.34% | 11.85% | 11.66% | 11.56% | 10.79% | -155 bps | |
| Net Worth / Assets | 12.92% | 12.63% | 12.78% | 12.34% | 11.85% | 11.66% | 11.56% | 10.79% | -155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.69% | 65.97% | 73.26% | 70.69% | 68.89% | 70.83% | 72.18% | 67.71% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |