Chicago, IL · Charter 17408
Q4 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.53% | -3.28% | -1.78% | -4.36% | -4.71% | -218 bps | |
| Return on Equity | -18.08% | -21.45% | -13.99% | -40.57% | -42.72% | -2,464 bps | |
| Net Interest Margin | 3.78% | 4.20% | 4.57% | 4.55% | 4.94% | +116 bps | |
| Efficiency Ratio | 160.12% | 114.40% | 107.35% | 204% | 193.76% | +3,364 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.99% | -14.44% | -22.18% | -21.84% | -26.25% | -1,926 bps | |
| Loan Growth (YoY) | 2.18% | 8.78% | 5.24% | 8.52% | -20.90% | -2,308 bps | |
| Share Growth (YoY) | -6.47% | -15.73% | -21.00% | -18.51% | -23.13% | -1,667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.67% | 4.48% | 1.95% | 1.72% | 0.23% | -344 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.22% | 3.05% | 7.84% | 8.07% | 8.28% | +606 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.02% | 15.31% | 12.72% | 10.76% | 11.02% | -299 bps | |
| Net Worth / Assets | 14.02% | 15.31% | 12.72% | 10.76% | 11.02% | -299 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.65% | 61.11% | 61.20% | 59.90% | 61.38% | +173 bps | |
| Liquid Assets / Assets | 10.14% | 6.24% | 3.94% | 41.50% | 5.19% | -495 bps | |