Chicago Hts., IL · Charter 18153
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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 Hts., IL · Charter 18153
Q2 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.37% | -2.46% | -2.89% | -2.01% | -1.61% | +75 bps | |
| Return on Equity | -6.27% | -7.03% | -9.36% | -6.47% | -5.61% | +66 bps | |
| Net Interest Margin | 2.02% | 1.57% | 1.34% | 1.33% | 1.22% | -80 bps | |
| Efficiency Ratio | 183.30% | 240% | 287% | 228% | 177.39% | -591 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.63% | 2.84% | 3.99% | 6.56% | 21.41% | +1,878 bps | |
| Loan Growth (YoY) | 1.88% | 0.17% | -27.27% | -10.09% | 26.39% | +2,451 bps | |
| Share Growth (YoY) | 8.81% | 8.39% | 12.15% | 15.91% | 39.49% | +3,069 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.62% | 19.53% | 18.16% | 15.77% | 9.85% | -777 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 26.66% | 32.98% | 34.27% | 17.92% | 11.62% | -1,504 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.75% | 34.94% | 30.90% | 31.00% | 28.78% | -897 bps | |
| Net Worth / Assets | 37.75% | 34.94% | 30.90% | 31.00% | 28.78% | -897 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.21% | 14.94% | 12.80% | 13.04% | 18.31% | -190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |