Northbrook, IL · Charter 60277
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.00% | 3.65% | 3.86% | 3.45% | 1.37% | -262 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.70% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 69.59% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 19.00% | 17.44% | 8.78% | 8.41% | 4.13% | -1,488 bps | |
| Loan Growth (YoY) | 17.47% | 15.48% | 8.89% | 8.71% | 12.28% | -519 bps | |
| Share Growth (YoY) | 16.23% | 13.93% | 7.05% | 7.49% | 1.36% | -1,486 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 1.74% | 1.42% | 1.27% | 0.01% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.86% | 0.80% | 0.91% | 0.70% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.50% | 58.26% | 65.58% | 59.82% | 73.66% | +716 bps | |
| Liquid Assets / Assets | 17.87% | 21.33% | 21.34% | 21.25% | 9.30% | -857 bps | |