Chicago, IL · Charter 21550
NCUA · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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 21550
NCUA · 1 branch
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | 0.10% | -1.52% | -0.97% | -0.99% | 0.03% | -1.93% | -1.07% | -10 bps | |
| Return on Equity | -8.85% | 1.09% | -17.38% | -10.71% | -12.08% | 0.35% | -23.63% | -12.98% | -226 bps | |
| Net Interest Margin | 6.12% | 5.57% | 5.29% | 5.54% | 5.70% | 5.56% | 5.07% | 5.06% | -49 bps | |
| Efficiency Ratio | 92.49% | 84.39% | 91.26% | 84.99% | 84.30% | 78.27% | 91.33% | 90.56% | +557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 14.39% | 9.13% | 8.48% | 8.97% | 0.01% | -1.80% | 0.98% | -750 bps | |
| Loan Growth (YoY) | 10.86% | 5.97% | 0.28% | -9.18% | -13.38% | -14.85% | -17.96% | -11.01% | -183 bps | |
| Share Growth (YoY) | 7.14% | 15.32% | 10.31% | 12.08% | 9.80% | -0.04% | -1.74% | 0.78% | -1,130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.67% | 5.91% | 7.35% | 7.65% | 6.59% | 5.09% | 5.90% | 5.73% | -192 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.20% | 2.96% | 3.06% | 3.52% | 4.07% | 3.29% | 4.41% | 4.13% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.59% | 8.77% | 9.02% | 8.20% | 8.91% | 8.17% | 8.21% | -81 bps | |
| Net Worth / Assets | 9.77% | 9.59% | 8.77% | 9.02% | 8.20% | 8.91% | 8.17% | 8.21% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.89% | 70.49% | 63.49% | 61.01% | 59.87% | 60.04% | 53.01% | 53.87% | -714 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |