Naperville, IL · Charter 24489
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Naperville, IL · Charter 24489
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.91% | 0.87% | 0.88% | 0.72% | -22 bps | |
| Return on Equity | n/a | n/a | 16.77% | 17.62% | 13.99% | n/a | |
| Net Interest Margin | 3.64% | 3.73% | 3.66% | 3.30% | 3.30% | -34 bps | |
| Efficiency Ratio | 71.47% | 71.80% | 72.53% | 71.86% | 75.02% | +355 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.25% | 2.15% | 5.91% | 9.13% | 11.00% | +1,075 bps | |
| Loan Growth (YoY) | 0.77% | 1.98% | -2.07% | -4.79% | -2.60% | -337 bps | |
| Share Growth (YoY) | -0.15% | 1.81% | 5.62% | 8.66% | 10.74% | +1,089 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.07% | 0.24% | 0.16% | 0.03% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.03% | 0.94% | 1.02% | 0.98% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 5.16% | 5.01% | 5.16% | n/a | |
| Net Worth / Assets | n/a | n/a | 5.16% | 5.01% | 5.16% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.99% | 93.68% | 90.97% | 80.82% | 82.67% | -1,132 bps | |
| Liquid Assets / Assets | 0.26% | 0.35% | 11.92% | 21.46% | 20.02% | +1,976 bps | |