Chicago, IL · Charter 13624
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Chicago, IL · Charter 13624
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.53% | -0.55% | -266% | -177.70% | -17,725 bps | |
| Return on Equity | -1.92% | -2.26% | -2.44% | n/a | n/a | n/a | |
| Net Interest Margin | 0.30% | 0.29% | 0.18% | 1.55% | 1.04% | +74 bps | |
| Efficiency Ratio | 251% | 279% | 401% | 17229% | 17229% | +1,697,820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.08% | 5.23% | 7.66% | -90.61% | -90.92% | -9,701 bps | |
| Loan Growth (YoY) | -37.47% | -44.17% | -57.15% | -100.00% | -100.00% | -6,253 bps | |
| Share Growth (YoY) | 8.78% | 7.74% | 5.65% | -87.56% | -88.12% | -9,690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 53.09% | 69.76% | 69.81% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 23.64% | 23.44% | 22.70% | 0.00% | 0.00% | -2,364 bps | |
| Net Worth / Assets | 23.64% | 23.44% | 22.70% | 0.00% | 0.00% | -2,364 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.17% | 3.16% | 2.11% | 0.00% | 0.00% | -417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |