Chicago, IL · Charter 2529
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 2529
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.06% | -0.95% | -1.54% | -3.49% | -1.87% | +18 bps | |
| Return on Equity | -5.83% | -2.65% | -4.24% | -9.79% | -5.08% | +75 bps | |
| Net Interest Margin | 2.27% | 2.66% | 1.87% | 2.36% | 2.51% | +24 bps | |
| Efficiency Ratio | 156.77% | 133.10% | 172.98% | 183.46% | 132.03% | -2,474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.94% | -4.63% | -6.84% | -9.40% | -9.01% | -608 bps | |
| Loan Growth (YoY) | -20.17% | -21.47% | -14.69% | -18.98% | 3.29% | +2,346 bps | |
| Share Growth (YoY) | -1.45% | -4.32% | -7.95% | -9.88% | -11.13% | -969 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.30% | 6.01% | 8.06% | 2.77% | 4.25% | +95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 3.07% | 3.31% | 4.35% | 3.43% | +105 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.26% | 35.73% | 36.31% | 35.65% | 36.88% | +162 bps | |
| Net Worth / Assets | 35.26% | 35.73% | 36.31% | 35.65% | 36.88% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.94% | 20.74% | 22.19% | 21.97% | 30.15% | +421 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |