Kenilworth, IL · Charter 12306
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Kenilworth, IL · Charter 12306
Q2 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | 0.06% | 0.09% | 0.04% | -0.01% | +7 bps | |
| Return on Equity | -0.87% | 0.68% | 1.00% | 0.38% | -0.14% | +73 bps | |
| Net Interest Margin | 2.10% | 2.16% | 2.12% | 2.20% | 2.11% | +1 bps | |
| Efficiency Ratio | 100.59% | 95.51% | 94.63% | 96.16% | 97.98% | -261 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.53% | 3.63% | 4.08% | 2.92% | 1.76% | +123 bps | |
| Loan Growth (YoY) | -2.24% | -2.70% | -4.70% | -1.52% | -3.68% | -144 bps | |
| Share Growth (YoY) | -0.23% | 4.10% | 4.74% | 3.37% | 2.03% | +226 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.06% | 0.08% | 0.08% | 0.06% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.35% | 0.36% | 0.39% | 0.42% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.10% | 9.43% | 9.26% | 9.33% | 9.01% | -9 bps | |
| Net Worth / Assets | 9.10% | 9.43% | 9.26% | 9.33% | 9.01% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.69% | 63.68% | 61.13% | 62.78% | 58.23% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |