Rock Island, IL · Charter 17238
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Rock Island, IL · Charter 17238
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.91% | -0.85% | -0.71% | -1.30% | -0.88% | +3 bps | |
| Return on Equity | -10.21% | -9.45% | -8.08% | -15.36% | -10.48% | -28 bps | |
| Net Interest Margin | 1.38% | 1.44% | 1.44% | 1.26% | 1.45% | +7 bps | |
| Efficiency Ratio | 157.00% | 151.19% | 143.44% | 207% | 166.96% | +997 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.83% | -2.71% | -4.11% | -2.92% | -1.57% | +27 bps | |
| Loan Growth (YoY) | 23.60% | 32.60% | 34.29% | 16.31% | 4.39% | -1,921 bps | |
| Share Growth (YoY) | -1.14% | -2.10% | -3.77% | -2.41% | -0.97% | +17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.58% | 0.62% | 0.57% | 0.54% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.94% | 8.98% | 8.79% | 8.45% | 8.40% | -55 bps | |
| Net Worth / Assets | 8.94% | 8.98% | 8.79% | 8.45% | 8.40% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.38% | 51.01% | 50.33% | 49.30% | 48.89% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |