Chicago, IL · Charter 60350
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.12% | 0.08% | 0.05% | -0.42% | -52 bps | |
| Return on Equity | 0.69% | 0.78% | 0.48% | 0.33% | -2.57% | -326 bps | |
| Net Interest Margin | 3.45% | 3.51% | 3.09% | 2.89% | 2.67% | -78 bps | |
| Efficiency Ratio | 97.21% | 96.77% | 98.56% | 98.98% | 108.41% | +1,119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.02% | -6.94% | -5.02% | -6.99% | -8.02% | -401 bps | |
| Loan Growth (YoY) | -18.17% | -5.28% | -28.72% | -29.81% | -37.14% | -1,898 bps | |
| Share Growth (YoY) | -5.56% | -8.45% | -5.96% | -8.14% | -9.07% | -351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.85% | 2.87% | 3.10% | 3.44% | 3.53% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.20% | 15.67% | 15.84% | 15.92% | 16.25% | +106 bps | |
| Net Worth / Assets | 15.20% | 15.67% | 15.84% | 15.92% | 16.25% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.99% | 15.05% | 13.10% | 11.37% | 10.36% | -463 bps | |
| Liquid Assets / Assets | 77.88% | 77.73% | 85.02% | 86.37% | 68.61% | -926 bps | |