Westchester, IL · Charter 22260
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.56% | 3.41% | 3.80% | 4.08% | 4.05% | +49 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) | 5.30% | 1.26% | -3.55% | -6.76% | -16.07% | -2,136 bps | |
| Loan Growth (YoY) | 12.65% | -11.47% | -28.19% | -37.69% | -36.71% | -4,936 bps | |
| Share Growth (YoY) | 3.43% | 0.65% | -4.62% | -8.85% | -19.19% | -2,262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 0.82% | 0.83% | 0.91% | 1.01% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 2.24% | 2.65% | 2.68% | 2.57% | +78 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 | 48.16% | 46.68% | 40.16% | 38.36% | 37.72% | -1,044 bps | |
| Liquid Assets / Assets | 31.44% | 19.49% | 49.52% | 19.61% | 25.16% | -629 bps | |