PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chicagoland

Chicago Hts, IL · Charter 2294

Q2 1997

$14.9MAssets
$11.1MLoans
$13.8MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.65%, up 13 bps year over year.
  • Asset quality: problem loans at 1.26% of loans (+86 bps YoY).
  • Funding: loans stand at 80.32% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.65%+13 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.52%3.57%2.16%3.29%3.65%+13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a16.53%21.50%15.06%n/a
Loan Growth (YoY)n/an/a34.11%20.23%2.36%n/a
Share Growth (YoY)n/an/a17.57%21.82%17.96%n/a
Asset Quality
Delinquent Loans / Loans0.40%1.31%1.18%1.88%1.26%+86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.50%1.38%1.42%1.59%+80 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares92.56%90.56%78.24%83.82%80.32%-1,224 bps
Liquid Assets / Assets5.31%12.15%20.56%16.07%19.99%+1,467 bps