Chicago, IL · Charter 24188
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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 24188
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | -2.20% | -2.52% | -2.22% | -2.19% | -3.98% | -7.13% | -4.93% | -271 bps | |
| Return on Equity | 9.29% | -27.73% | -23.54% | -20.63% | -19.87% | -35.51% | -45.86% | -29.11% | -848 bps | |
| Net Interest Margin | 0.08% | 0.84% | 0.74% | 0.83% | 0.81% | 0.88% | 0.76% | 0.53% | -30 bps | |
| Efficiency Ratio | 84.75% | 205% | 237% | 219% | 234% | 552% | 611% | 608% | +38,867 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | 1.36% | 0.30% | -2.92% | -11.31% | -21.86% | -47.79% | -47.74% | -4,481 bps | |
| Loan Growth (YoY) | -48.86% | -54.18% | -64.75% | -66.51% | -63.35% | -71.06% | -76.58% | -100.00% | -3,349 bps | |
| Share Growth (YoY) | -10.42% | 2.34% | -1.94% | -5.15% | -13.55% | -24.63% | -50.62% | -51.35% | -4,620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 0.00% | 0.00% | 0.00% | 29.90% | 28.99% | 100.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 25.91% | 32.05% | 20.78% | 27.67% | 33.63% | 52.67% | 88.79% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 8.71% | 7.95% | 10.70% | 10.78% | 11.02% | 11.21% | 15.54% | 16.95% | +617 bps | |
| Net Worth / Assets | 8.71% | 7.95% | 10.70% | 10.78% | 11.02% | 11.21% | 15.54% | 16.95% | +617 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.21% | 18.95% | 15.00% | 11.73% | 10.27% | 7.28% | 7.11% | 0.00% | -1,173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |