Aurora, IL · Charter 60391
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -1.29% | -0.51% | -0.94% | -5.55% | -450 bps | |
| Return on Equity | -4.04% | -4.86% | -1.81% | -3.23% | -18.55% | -1,451 bps | |
| Net Interest Margin | 3.36% | 3.52% | 3.55% | 3.67% | 3.65% | +29 bps | |
| Efficiency Ratio | 112.90% | 101.01% | 113.77% | 109.68% | 124.61% | +1,171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.12% | -19.16% | -18.58% | -19.06% | -25.42% | -530 bps | |
| Loan Growth (YoY) | -10.61% | -12.86% | -10.24% | -8.93% | -9.52% | +109 bps | |
| Share Growth (YoY) | -25.29% | -23.34% | -23.05% | -23.84% | -29.43% | -414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.50% | 11.29% | 12.49% | 10.55% | 5.10% | -740 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.06% | 5.51% | 6.10% | 6.20% | 8.37% | +231 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.88% | 26.61% | 28.14% | 28.94% | 29.93% | +405 bps | |
| Net Worth / Assets | 25.88% | 26.61% | 28.14% | 28.94% | 29.93% | +405 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.08% | 56.15% | 56.97% | 61.58% | 73.19% | +1,611 bps | |
| Liquid Assets / Assets | 58.01% | 57.75% | 59.22% | 56.65% | 50.10% | -791 bps | |