Barrington, IL · Charter 60433
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Barrington, IL · Charter 60433
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.16% | 0.11% | 0.04% | 0.28% | -7 bps | |
| Return on Equity | 3.91% | 1.81% | 1.25% | 0.42% | 3.18% | -73 bps | |
| Net Interest Margin | 2.21% | 2.18% | 2.30% | 2.28% | 2.74% | +53 bps | |
| Efficiency Ratio | 74.70% | 84.58% | 84.89% | 81.63% | 90.20% | +1,550 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.33% | 4.86% | 1.19% | 0.98% | 1.17% | -116 bps | |
| Loan Growth (YoY) | -8.04% | -9.65% | -12.84% | -9.71% | -8.37% | -33 bps | |
| Share Growth (YoY) | 1.54% | 7.47% | 3.32% | 3.37% | 4.01% | +247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 0.67% | 0.91% | 1.96% | 0.74% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.75% | 0.99% | 2.05% | 0.82% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 8.84% | 9.14% | 9.01% | 8.90% | -8 bps | |
| Net Worth / Assets | 8.99% | 8.84% | 9.14% | 9.01% | 8.90% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.13% | 18.67% | 19.12% | 18.83% | 17.74% | -240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |