Chicago, IL · Charter 60672
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Chicago, IL · Charter 60672
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 0.35% | 0.77% | 1.79% | 0.89% | 1.78% | 1.59% | 1.55% | -24 bps | |
| Return on Equity | -1.04% | 0.63% | 1.36% | 3.32% | 1.73% | 3.29% | 2.91% | 2.75% | -57 bps | |
| Net Interest Margin | 5.82% | 6.14% | 6.29% | 5.36% | 5.62% | 5.99% | 5.84% | 5.22% | -14 bps | |
| Efficiency Ratio | 108.73% | 94.86% | 88.89% | 69.43% | 85.27% | 72.69% | 74.58% | 72.77% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.14% | -8.02% | 1.91% | 5.34% | 9.70% | 5.32% | 7.12% | -1.87% | -721 bps | |
| Loan Growth (YoY) | 25.16% | 11.03% | -1.31% | 1.03% | -8.22% | -14.32% | -16.28% | -26.64% | -2,767 bps | |
| Share Growth (YoY) | -16.92% | -15.97% | 4.67% | 9.01% | 18.43% | 8.04% | 12.69% | -7.09% | -1,610 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 5.10% | 3.79% | 0.00% | 0.00% | 0.00% | -510 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 3.34% | 3.79% | 3.75% | 3.67% | 4.16% | 4.59% | 5.11% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 55.20% | 55.38% | 56.70% | 53.80% | 51.69% | 54.29% | 54.52% | 56.39% | +259 bps | |
| Net Worth / Assets | 55.20% | 55.38% | 56.70% | 53.80% | 51.69% | 54.29% | 54.52% | 56.39% | +259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 188.81% | 178.30% | 172.59% | 156.11% | 146.32% | 141.40% | 128.22% | 123.26% | -3,285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |