Danville, IL · Charter 60415
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 | 3.55% | 2.86% | 1.76% | 3.02% | -0.19% | -374 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 | 4.38% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.72% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.84% | -15.85% | -14.32% | -14.86% | -31.17% | -2,333 bps | |
| Loan Growth (YoY) | -17.18% | -39.08% | -44.25% | -48.44% | -51.66% | -3,449 bps | |
| Share Growth (YoY) | -7.75% | -15.31% | -10.38% | -12.13% | -30.51% | -2,275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.93% | 3.23% | 2.65% | 2.34% | 2.24% | -169 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | 2.27% | 2.01% | 3.20% | 2.94% | +74 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 | 72.92% | 65.56% | 57.11% | 47.95% | 50.72% | -2,220 bps | |
| Liquid Assets / Assets | 21.53% | 27.01% | 32.76% | 38.39% | 29.91% | +838 bps | |