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 | |