Chicago, IL · Charter 60171
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.12% | -2.56% | -4.83% | -1.24% | -94.24% | -9,012 bps | |
| Return on Equity | -6.78% | -4.16% | -5.88% | -1.46% | -122.49% | -11,571 bps | |
| Net Interest Margin | 4.88% | 4.22% | 8.88% | 6.54% | 9.18% | +430 bps | |
| Efficiency Ratio | 184.45% | 160.74% | 154.41% | 118.91% | 191.54% | +709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -32.54% | -30.62% | -35.90% | -37.89% | -55.61% | -2,307 bps | |
| Loan Growth (YoY) | -42.83% | -39.35% | -46.16% | -47.66% | -89.96% | -4,713 bps | |
| Share Growth (YoY) | -52.75% | -60.82% | -75.65% | -79.69% | -73.84% | -2,109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 47.55% | 81.08% | 82.08% | 83.50% | 7.03% | -4,052 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.75% | 4.75% | 5.01% | 5.15% | 50.63% | +4,588 bps | |
| Capital | |||||||
| Risk-Based Capital | 60.76% | 61.54% | 82.14% | 84.74% | 76.93% | +1,617 bps | |
| Net Worth / Assets | 60.76% | 61.54% | 82.14% | 84.74% | 76.93% | +1,617 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 120.50% | 151.25% | 254% | 296% | 46.23% | -7,428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |