Rantoul, IL · Charter 96069
NCUA · 16 branches
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.80% | 0.68% | 0.60% | 0.42% | 1.01% | 0.84% | 1.12% | +52 bps | |
| Return on Equity | 10.73% | 9.54% | 8.07% | 7.31% | 5.23% | 11.77% | 9.75% | 12.90% | +559 bps | |
| Net Interest Margin | 2.99% | 2.75% | 2.65% | 2.59% | 2.74% | 2.88% | 2.80% | 2.73% | +14 bps | |
| Efficiency Ratio | 75.45% | 74.19% | 75.90% | 76.73% | 89.49% | 80.51% | 82.99% | 79.05% | +232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.28% | 24.55% | 20.30% | 22.20% | 18.46% | 6.73% | 6.53% | 4.73% | -1,747 bps | |
| Loan Growth (YoY) | 17.72% | 13.65% | 10.71% | 13.57% | 26.02% | 20.63% | 17.70% | 16.35% | +277 bps | |
| Share Growth (YoY) | 13.22% | 19.86% | 15.05% | 17.16% | 20.71% | 7.06% | 6.94% | 2.80% | -1,436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.91% | 0.92% | 0.78% | 0.55% | 0.47% | 0.50% | 0.74% | -4 bps | |
| Net Charge-Offs / Loans | 0.78% | 0.69% | 0.64% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 0.81% | 0.99% | 1.17% | 1.22% | 1.09% | 1.09% | 1.06% | 0.96% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 8.40% | 8.39% | 8.21% | 7.95% | 8.59% | 8.61% | 8.71% | +50 bps | |
| Net Worth / Assets | 8.85% | 8.40% | 8.39% | 8.21% | 7.95% | 8.59% | 8.61% | 8.71% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.41% | 65.09% | 65.82% | 70.67% | 72.46% | 73.34% | 72.44% | 79.99% | +931 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.47% | +9,847 bps | |