Elgin, IL · Charter 95015
NCUA · 8 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
24
Profitability
77
Liquidity
75
Efficiency
81
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Elgin, IL · Charter 95015
NCUA · 8 branches
Q3 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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.27% | 1.17% | 1.09% | 1.04% | 0.72% | 1.36% | 1.25% | +16 bps | |
| Return on Equity | 10.70% | 12.90% | 11.51% | 10.49% | 10.66% | 7.64% | 14.22% | 12.93% | +244 bps | |
| Net Interest Margin | 3.65% | 4.18% | 4.28% | 4.31% | 4.03% | 4.09% | 3.96% | 3.90% | -42 bps | |
| Efficiency Ratio | 63.33% | 64.32% | 65.08% | 66.22% | 62.81% | 71.69% | 64.74% | 65.67% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | 2.12% | -0.29% | 3.63% | 9.60% | 13.10% | 17.92% | 19.98% | +1,635 bps | |
| Loan Growth (YoY) | 12.29% | 11.18% | 5.72% | 4.24% | 6.17% | 8.20% | 11.22% | 7.47% | +323 bps | |
| Share Growth (YoY) | 2.42% | 3.47% | -0.78% | 2.71% | 9.55% | 12.83% | 17.68% | 20.31% | +1,760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.13% | 1.25% | 1.50% | 1.95% | 1.53% | 1.40% | 1.31% | -19 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 | 1.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.69% | 9.85% | 10.15% | 10.36% | 9.71% | 9.44% | 9.60% | 9.68% | -68 bps | |
| Net Worth / Assets | 9.69% | 9.85% | 10.15% | 10.36% | 9.71% | 9.44% | 9.60% | 9.68% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.84% | 86.22% | 85.53% | 88.00% | 84.17% | 82.69% | 80.83% | 78.60% | -939 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elgin, IL · Charter 95015 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 8 branches
Q3 2024
Return on Assets
1.25%
Rank 415 of 1,761
Net Interest Margin
3.90%
Rank 662 of 1,761
Efficiency Ratio
65.67%
Rank 334 of 1,754
Equity / Assets
9.68%
Rank 1,400 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.26% | 0.70% | 1.22% | Beats 76% | 415 / 1,761 | ||
| Return on Equity | 12.93% | 2.09% | 5.52% | 9.08% | Beats 92% | 148 / 1,761 | ||
| Net Interest Margin | 3.90% | 3.03% | 3.59% | 4.25% | Beats 62% | 662 / 1,761 | ||
| Efficiency Ratio | 65.67% | 68.95% | 77.94% | 87.14% | Beats 81% | 334 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.26% | 0.65% | 1.27% | Beats 24% | 1,333 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.68% | 10.05% | 12.42% | 15.87% | Beats 20% | 1,400 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.68% | 10.05% | 12.42% | 15.87% | Beats 20% | 1,400 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.60% | 56.21% | 73.13% | 85.64% | 60th pctl | 707 / 1,759 | ||
| Loans / Assets | 71.05% | 47.85% | 62.48% | 73.19% | 70th pctl | 526 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||