Chicago, IL · Charter 60294
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 60294
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.20% | 0.17% | 0.23% | 2.79% | +145 bps | |
| Return on Equity | 13.15% | 1.87% | 1.40% | 1.98% | 17.86% | +472 bps | |
| Net Interest Margin | 2.09% | 1.54% | 1.05% | 0.93% | 0.89% | -121 bps | |
| Efficiency Ratio | 36.26% | 56.32% | 84.24% | 74.96% | 140.19% | +10,392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.09% | -12.00% | -19.42% | -19.28% | -26.72% | -2,563 bps | |
| Loan Growth (YoY) | -55.61% | -74.43% | -84.33% | -87.29% | -100.00% | -4,439 bps | |
| Share Growth (YoY) | -1.43% | -12.96% | -20.90% | -21.45% | -31.14% | -2,971 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.39% | 1.57% | 0.45% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 43.58% | 80.59% | 152.86% | 225% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 10.20% | 10.96% | 11.89% | 11.84% | 15.61% | +541 bps | |
| Net Worth / Assets | 10.20% | 10.96% | 11.89% | 11.84% | 15.61% | +541 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.43% | 2.66% | 1.54% | 1.03% | 0.00% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |