Chicago, IL · Charter 16836
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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 16836
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.17% | 0.06% | -0.97% | -0.66% | -16337% | -1,633,627 bps | |
| Return on Equity | -4.41% | 0.22% | -3.47% | -2.38% | -16337% | -1,633,302 bps | |
| Net Interest Margin | 0.25% | 0.14% | 0.08% | 0.06% | -15900% | -1,590,025 bps | |
| Efficiency Ratio | n/a | 56.60% | 1251% | 1120% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.61% | -1.71% | -1.46% | -1.47% | -99.83% | -9,821 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | |
| Share Growth (YoY) | 1.00% | 1.00% | 1.00% | 0.00% | -100.00% | -10,100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Risk-Based Capital | 26.47% | 28.25% | 27.89% | 27.88% | 100.00% | +7,353 bps | |
| Net Worth / Assets | 26.47% | 28.25% | 27.89% | 27.88% | 100.00% | +7,353 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |