Danville, IL · Charter 81540
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.25% | 0.21% | -0.29% | -0.64% | -80 bps | |
| Return on Equity | 1.32% | 2.09% | 1.78% | -2.52% | -5.95% | -727 bps | |
| Net Interest Margin | 4.12% | 3.93% | 3.91% | 4.02% | 3.93% | -19 bps | |
| Efficiency Ratio | 87.10% | 89.99% | 90.80% | 90.38% | 89.83% | +273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.17% | 10.23% | 7.79% | 5.89% | 7.85% | -232 bps | |
| Loan Growth (YoY) | 31.20% | 24.63% | 17.01% | 5.77% | 5.20% | -2,600 bps | |
| Share Growth (YoY) | 11.58% | 11.61% | 8.98% | 7.35% | 9.83% | -174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.78% | 0.46% | 0.59% | 0.99% | 1.04% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.34% | 11.85% | 11.66% | 11.56% | 10.79% | -155 bps | |
| Net Worth / Assets | 12.34% | 11.85% | 11.66% | 11.56% | 10.79% | -155 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |