Elgin, IL · Charter 20770
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | 0.28% | 0.49% | -0.36% | -38.98% | -3,811 bps | |
| Return on Equity | -4.50% | 1.09% | 1.38% | -0.90% | -104.39% | -9,989 bps | |
| Net Interest Margin | 3.23% | 3.84% | 4.98% | 5.07% | 7.85% | +462 bps | |
| Efficiency Ratio | 77.87% | 92.59% | 89.94% | 95.32% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.91% | -29.88% | -51.11% | -53.98% | -74.57% | -6,866 bps | |
| Loan Growth (YoY) | -15.44% | -24.48% | -31.35% | -42.49% | -100.00% | -8,456 bps | |
| Share Growth (YoY) | -6.20% | -35.85% | -61.86% | -66.11% | -80.30% | -7,410 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 15.69% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.00% | 3.05% | 3.78% | 5.66% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 19.41% | 25.51% | 35.82% | 40.10% | 37.34% | +1,793 bps | |
| Net Worth / Assets | 19.41% | 25.51% | 35.82% | 40.10% | 37.34% | +1,793 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.88% | 70.94% | 98.89% | 98.79% | 0.00% | -5,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |