Mt Carmel, IL · Charter 60621
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | -0.07% | -0.19% | 0.01% | -0.20% | -53 bps | |
| Return on Equity | 4.66% | -1.03% | -3.11% | 0.10% | -3.05% | -771 bps | |
| Net Interest Margin | 3.89% | 4.12% | 4.21% | 3.97% | 3.91% | +3 bps | |
| Efficiency Ratio | 93.07% | 101.42% | 104.05% | 99.85% | 100.32% | +725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.47% | 1.82% | 10.26% | 4.71% | 2.17% | -30 bps | |
| Loan Growth (YoY) | 6.24% | 5.13% | 7.18% | 8.57% | 10.02% | +377 bps | |
| Share Growth (YoY) | 2.65% | 2.14% | 11.58% | 5.49% | 3.20% | +56 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 1.78% | 2.12% | 1.28% | 0.87% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 0.98% | 0.98% | 0.63% | 0.71% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.18% | 7.03% | 6.24% | 6.56% | 6.57% | -62 bps | |
| Net Worth / Assets | 7.18% | 7.03% | 6.24% | 6.56% | 6.57% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.64% | 77.13% | 69.11% | 76.13% | 80.64% | +500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |