Chicago, IL · Charter 60098
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 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 60098
NCUA · 1 branch
Q2 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.17% | 0.68% | 1.10% | 0.06% | 0.63% | 1.73% | 1.43% | +33 bps | |
| Return on Equity | 6.31% | 8.20% | 4.74% | 7.47% | 0.43% | 4.41% | 11.80% | 9.59% | +212 bps | |
| Net Interest Margin | 4.31% | 3.28% | 2.98% | 2.88% | 2.84% | 2.94% | 3.33% | 3.24% | +36 bps | |
| Efficiency Ratio | 55.51% | 50.10% | 77.62% | 62.67% | 97.90% | 48.59% | 48.17% | 55.85% | -682 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | 25.21% | 30.18% | 29.94% | 28.49% | 4.78% | 4.66% | 4.17% | -2,577 bps | |
| Loan Growth (YoY) | 10.95% | -4.72% | -3.70% | 2.24% | 12.20% | 17.79% | 18.10% | 7.17% | +493 bps | |
| Share Growth (YoY) | -9.92% | 28.39% | 34.08% | 33.56% | 33.62% | 4.80% | 4.31% | 3.90% | -2,966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.64% | 2.70% | 2.67% | 6.48% | 8.37% | 2.27% | 2.26% | 2.33% | -415 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 | 2.73% | 2.76% | 2.75% | 2.57% | 3.92% | 3.77% | 3.75% | 3.86% | +129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.49% | 14.26% | 14.39% | 14.70% | 14.18% | 14.24% | 14.64% | 14.93% | +23 bps | |
| Net Worth / Assets | 17.49% | 14.26% | 14.39% | 14.70% | 14.18% | 14.24% | 14.64% | 14.93% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.41% | 66.80% | 66.81% | 71.54% | 75.08% | 75.08% | 75.65% | 73.79% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |