Bradley, IL · Charter 60405
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Bradley, IL · Charter 60405
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.61% | -0.68% | -3.82% | -3.00% | -0.61% | +401 bps | |
| Return on Equity | -61.25% | -8.18% | -60.80% | -48.79% | -9.52% | +5,173 bps | |
| Net Interest Margin | 2.77% | 2.89% | 3.13% | 3.15% | 3.40% | +63 bps | |
| Efficiency Ratio | 115.15% | 83.72% | 175.22% | 151.54% | 111.53% | -362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.79% | -21.33% | -14.09% | -10.60% | -10.63% | +1,015 bps | |
| Loan Growth (YoY) | -14.13% | -11.93% | -6.97% | -3.42% | -3.42% | +1,071 bps | |
| Share Growth (YoY) | -21.19% | -22.53% | -12.66% | -8.60% | -9.25% | +1,194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 1.21% | 1.59% | 0.11% | 0.46% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | 2.23% | 2.39% | 2.12% | 1.98% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.53% | 8.35% | 6.28% | 6.15% | 6.38% | -115 bps | |
| Net Worth / Assets | 7.53% | 8.35% | 6.28% | 6.15% | 6.38% | -115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.02% | 65.35% | 67.66% | 67.67% | 68.13% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |