Chicago, IL · Charter 24177
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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 24177
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.98% | 4.18% | 4.47% | 4.39% | 2.73% | -25 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) | n/a | n/a | n/a | -6.31% | -27.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -1.53% | -36.78% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -11.93% | -29.60% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.50% | 14.55% | 9.77% | 12.92% | 3.44% | -606 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.02% | 7.40% | 8.89% | 7.61% | 0.00% | -602 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 | 40.19% | 40.88% | 42.37% | 46.11% | 36.09% | -410 bps | |
| Liquid Assets / Assets | 42.49% | 35.30% | 43.12% | 43.63% | 43.24% | +76 bps | |