Chicago, IL · Charter 2567
Q2 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | 0.16% | -1.53% | 0.32% | -4.01% | -336 bps | |
| Return on Equity | -2.45% | 0.59% | -5.53% | 1.07% | -13.79% | -1,134 bps | |
| Net Interest Margin | 0.49% | 1.46% | 1.77% | 1.97% | 0.07% | -42 bps | |
| Efficiency Ratio | 227% | 89.46% | 75.90% | 84.25% | 1349% | +112,191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.84% | 1.28% | -7.17% | -12.51% | -20.59% | -2,243 bps | |
| Loan Growth (YoY) | -4.88% | -3.54% | -15.07% | -43.18% | -41.09% | -3,620 bps | |
| Share Growth (YoY) | 2.46% | 2.09% | -8.14% | -14.91% | -23.25% | -2,571 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.45% | 17.40% | 14.24% | 21.02% | 7.21% | -624 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.86% | 15.24% | 13.71% | 16.94% | 15.18% | +1,132 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.39% | 26.50% | 27.61% | 29.63% | 29.05% | +266 bps | |
| Net Worth / Assets | 26.39% | 26.50% | 27.61% | 29.63% | 29.05% | +266 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.38% | 21.58% | 26.52% | 23.88% | 16.41% | -497 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |