Chicago, IL · Charter 19944
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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, IL · Charter 19944
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.34% | -1.89% | 0.35% | -0.21% | -2.77% | +57 bps | |
| Return on Equity | -29.21% | -21.20% | 3.94% | -2.43% | -32.90% | -369 bps | |
| Net Interest Margin | 2.65% | 2.20% | 2.37% | 2.36% | 0.53% | -212 bps | |
| Efficiency Ratio | 94.81% | 95.61% | 85.30% | 108.90% | 622% | +52,763 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 15.58% | 19.22% | 22.56% | 2.74% | -271 bps | |
| Loan Growth (YoY) | -21.12% | -19.48% | -30.24% | -25.23% | -21.32% | -20 bps | |
| Share Growth (YoY) | 8.56% | 22.15% | 24.58% | 27.57% | 6.79% | -177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.76% | 15.62% | 14.61% | 12.15% | 9.87% | -389 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.25% | 9.90% | 4.90% | 4.68% | 1.93% | -932 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.44% | 8.93% | 8.84% | 8.66% | 8.42% | -302 bps | |
| Net Worth / Assets | 11.44% | 8.93% | 8.84% | 8.66% | 8.42% | -302 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.36% | 32.56% | 26.20% | 26.13% | 29.00% | -1,036 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |