Chicago, IL · Charter 23873
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 23873
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.88% | -0.99% | -1.49% | -1.01% | -1.01% | -13 bps | |
| Return on Equity | -7.68% | -9.53% | -12.46% | -9.45% | -11.19% | -351 bps | |
| Net Interest Margin | 3.22% | 2.90% | 3.37% | 2.17% | 2.25% | -97 bps | |
| Efficiency Ratio | 93.17% | 104.05% | 114.97% | 128.10% | 124.35% | +3,118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.14% | -1.68% | 1.79% | 0.35% | 7.74% | +1,688 bps | |
| Loan Growth (YoY) | -32.43% | -34.93% | -41.04% | -12.28% | 22.15% | +5,459 bps | |
| Share Growth (YoY) | -8.62% | -0.67% | 3.58% | 1.35% | 10.81% | +1,943 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.05% | 4.15% | 9.38% | 8.04% | 5.87% | +182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.45% | 14.30% | 14.21% | 12.18% | 9.25% | -320 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 10.41% | 11.98% | 10.71% | 9.02% | -239 bps | |
| Net Worth / Assets | 11.41% | 10.41% | 11.98% | 10.71% | 9.02% | -239 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 12.37% | 10.06% | 11.28% | 11.84% | 13.64% | +127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |