Bradley, IL · Charter 14921
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Bradley, IL · Charter 14921
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.77% | 5.01% | 3.56% | 3.80% | 4.74% | -3 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -26.22% | -30.05% | -36.37% | -37.54% | -74.90% | -4,868 bps | |
| Loan Growth (YoY) | -46.29% | -48.43% | -40.32% | -32.84% | -96.44% | -5,016 bps | |
| Share Growth (YoY) | -29.37% | -34.12% | -40.95% | -42.51% | -87.49% | -5,812 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 7.17% | 5.35% | 0.80% | 5.40% | +496 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.33% | 7.52% | 6.20% | 3.95% | 83.55% | +7,722 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.15% | 35.31% | 39.31% | 38.59% | 10.57% | -2,659 bps | |
| Liquid Assets / Assets | 25.89% | 67.77% | 61.07% | 61.84% | 81.22% | +5,534 bps | |