Villa Park, IL · Charter 14743
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.26% | 7.51% | -15.46% | -1048% | -104,785 bps | |
| Return on Equity | -3.76% | -1.55% | 38.76% | -15.46% | -1048% | -104,465 bps | |
| Net Interest Margin | 1.78% | 1.54% | 0.60% | 3.15% | 213% | +21,110 bps | |
| Efficiency Ratio | 130.85% | 102.81% | 42.43% | 568% | 569% | +43,864 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.66% | -14.78% | -16.07% | -84.29% | -99.85% | -9,519 bps | |
| Loan Growth (YoY) | -22.39% | -37.54% | -100.00% | -100.00% | -100.00% | -7,761 bps | |
| Share Growth (YoY) | -4.34% | -16.21% | -19.81% | -100.00% | -100.00% | -9,566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | 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 | 48.20% | 49.90% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 14.86% | 16.67% | 19.39% | 100.00% | 100.00% | +8,514 bps | |
| Net Worth / Assets | 14.86% | 16.67% | 19.39% | 100.00% | 100.00% | +8,514 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.18% | 8.68% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |