Elgin, IL · Charter 24394
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 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.
Elgin, IL · Charter 24394
Q2 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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.77% | 4.82% | 5.50% | -1.03% | -23 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 | n/a | -42.24% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -49.49% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -43.23% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.24% | 2.58% | 2.97% | 3.61% | 0.09% | -515 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.56% | 4.32% | 4.88% | 4.85% | 3.99% | -57 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 | 71.89% | 83.35% | 78.41% | 77.68% | 63.96% | -793 bps | |
| Liquid Assets / Assets | 34.71% | 16.77% | 24.39% | 26.63% | 36.26% | +155 bps | |