Chicago, IL · Charter 2566
NCUA · 2 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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 2566
NCUA · 2 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 4.20% | 1.36% | 0.11% | 0.67% | -78.45% | -58.37% | -52.44% | -5,254 bps | |
| Return on Equity | 3.91% | 9.96% | 3.26% | 0.26% | 1.60% | -298% | -233% | -228% | -22,810 bps | |
| Net Interest Margin | 12.14% | 11.28% | 11.04% | 11.13% | 11.19% | 11.07% | 12.37% | 13.57% | +244 bps | |
| Efficiency Ratio | 66.40% | 66.39% | 64.92% | 69.78% | 67.25% | 117.59% | 123.24% | 152.41% | +8,264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 4.25% | 3.71% | 6.82% | 2.68% | -8.73% | -23.11% | -33.34% | -4,016 bps | |
| Loan Growth (YoY) | 5.41% | 1.24% | 0.62% | -2.38% | -3.08% | -4.48% | -14.34% | -25.09% | -2,271 bps | |
| Share Growth (YoY) | 2.69% | 4.21% | 3.08% | 12.62% | 3.53% | 16.03% | -1.93% | -12.96% | -2,557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.25% | 3.84% | 6.90% | 6.21% | 5.96% | 6.01% | 26.32% | 25.09% | +1,888 bps | |
| 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 | 5.16% | 3.90% | 4.22% | 3.58% | 3.39% | 23.19% | 29.80% | 30.89% | +2,731 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.43% | 42.22% | 41.77% | 41.05% | 41.92% | 26.29% | 25.02% | 23.02% | -1,804 bps | |
| Net Worth / Assets | 42.43% | 42.22% | 41.77% | 41.05% | 41.92% | 26.29% | 25.02% | 23.02% | -1,804 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 160.14% | 151.06% | 152.76% | 147.94% | 149.92% | 124.36% | 133.44% | 127.31% | -2,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |