Pekin, IL · Charter 60875
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.10% | 2.89% | -0.14% | -0.81% | -1.76% | -486 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -11.47% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.86% | 4.71% | 4.55% | n/a | |
| Efficiency Ratio | n/a | n/a | 82.02% | 93.08% | 102.19% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.11% | 4.08% | -3.36% | -9.42% | -11.65% | -953 bps | |
| Loan Growth (YoY) | 7.00% | -10.69% | -13.83% | -19.36% | -11.57% | -1,856 bps | |
| Share Growth (YoY) | -2.67% | 4.90% | -3.28% | -9.71% | -11.97% | -930 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.04% | 3.23% | 3.46% | 0.35% | 1.26% | -1,279 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.01% | 2.23% | 2.42% | 2.43% | +156 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.33% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.33% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.09% | 65.10% | 66.69% | 62.29% | 67.40% | +31 bps | |
| Liquid Assets / Assets | 26.01% | 12.13% | 14.93% | 32.64% | 11.63% | -1,437 bps | |