Crystal Lake, IL · Charter 21729
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.49% | 3.14% | 2.07% | 1.57% | 2.06% | -142 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -14.45% | -4.66% | -18.21% | -18.22% | -20.40% | -595 bps | |
| Loan Growth (YoY) | -11.69% | -8.58% | -38.50% | -47.37% | -42.98% | -3,130 bps | |
| Share Growth (YoY) | -17.84% | -6.38% | -20.93% | -20.52% | -22.53% | -469 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.26% | 5.70% | 6.15% | 4.63% | 12.13% | +988 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 3.09% | 2.33% | 6.02% | 6.76% | +482 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.38% | 63.05% | 62.11% | 51.24% | 51.06% | -1,832 bps | |
| Liquid Assets / Assets | 23.58% | 24.17% | 30.28% | 29.06% | 31.49% | +791 bps | |