Willowbrook, IL · Charter 5609
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Willowbrook, IL · Charter 5609
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.36% | 0.35% | 0.32% | 0.06% | -31 bps | |
| Return on Equity | 3.91% | 3.64% | 3.54% | 3.21% | 0.60% | -330 bps | |
| Net Interest Margin | 0.92% | 0.91% | 0.96% | 0.90% | 0.89% | -3 bps | |
| Efficiency Ratio | 56.18% | 57.42% | 52.03% | 59.11% | 88.88% | +3,270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.43% | -2.81% | -3.95% | -2.62% | -2.99% | -256 bps | |
| Loan Growth (YoY) | -12.61% | -9.46% | -10.39% | -7.68% | -9.86% | +275 bps | |
| Share Growth (YoY) | -0.80% | -3.47% | -4.71% | -3.25% | -3.49% | -269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.11% | 3.50% | 4.10% | 3.56% | 4.20% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.72% | 4.09% | 4.97% | 4.94% | 4.54% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.61% | 9.81% | 9.93% | 10.06% | 10.05% | +43 bps | |
| Net Worth / Assets | 9.61% | 9.81% | 9.93% | 10.06% | 10.05% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.52% | 3.64% | 3.41% | 3.38% | 3.28% | -23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |