Chicago, IL · Charter 17275
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 17275
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.57% | 4.79% | 5.01% | 0.94% | 1.22% | -436 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 | 2.80% | 2.72% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 61.83% | 59.98% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.22% | 3.17% | 3.78% | 4.40% | 14.02% | +1,823 bps | |
| Loan Growth (YoY) | -12.05% | -16.53% | -26.04% | -18.97% | -12.67% | -62 bps | |
| Share Growth (YoY) | -6.52% | 1.76% | 2.45% | 3.45% | 13.97% | +2,049 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.34% | 3.25% | 3.64% | 3.13% | 2.20% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.81% | 2.66% | 3.08% | 2.90% | +92 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 | 29.40% | 28.25% | 24.46% | 24.80% | 22.53% | -687 bps | |
| Liquid Assets / Assets | 68.43% | 57.25% | 50.82% | 45.93% | 44.44% | -2,399 bps | |