Kankakee, IL · Charter 60675
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | 0.27% | 0.26% | 0.10% | 0.16% | +62 bps | |
| Return on Equity | -4.17% | 2.47% | 2.30% | 0.88% | 1.39% | +556 bps | |
| Net Interest Margin | 2.97% | 3.01% | 3.11% | 3.09% | 3.15% | +18 bps | |
| Efficiency Ratio | 86.78% | 86.49% | 87.15% | 91.07% | 89.86% | +308 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.84% | 7.19% | 1.56% | -3.59% | 1.87% | +471 bps | |
| Loan Growth (YoY) | -6.93% | 3.87% | 15.87% | 26.75% | 32.39% | +3,932 bps | |
| Share Growth (YoY) | -2.02% | 8.87% | 1.84% | -3.88% | 1.62% | +364 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.13% | 1.02% | 0.97% | 0.24% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.72% | 0.73% | 0.69% | 0.51% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.15% | 10.94% | 11.24% | 11.13% | 11.30% | +15 bps | |
| Net Worth / Assets | 11.15% | 10.94% | 11.24% | 11.13% | 11.30% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.62% | 65.07% | 72.15% | 76.04% | 80.28% | +1,866 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |