Moline, IL · Charter 60982
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 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.
Moline, IL · Charter 60982
Q2 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.36% | 0.33% | -0.27% | -0.11% | -51 bps | |
| Return on Equity | 4.29% | 3.70% | 3.28% | -2.87% | -1.15% | -545 bps | |
| Net Interest Margin | 2.00% | 2.04% | 2.03% | 1.79% | 1.80% | -20 bps | |
| Efficiency Ratio | 84.08% | 86.20% | 87.24% | 100.12% | 100.63% | +1,655 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.74% | 2.12% | 1.34% | -1.28% | -0.52% | -426 bps | |
| Loan Growth (YoY) | 7.20% | 3.10% | 2.72% | 0.01% | -2.07% | -927 bps | |
| Share Growth (YoY) | 3.70% | 1.93% | 0.83% | -1.90% | -0.92% | -463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.00% | 0.20% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.33% | 0.64% | 0.59% | 0.54% | -81 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.59% | 9.93% | 9.53% | 9.65% | +37 bps | |
| Net Worth / Assets | 9.28% | 9.59% | 9.93% | 9.53% | 9.65% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.04% | 43.21% | 44.05% | 41.83% | 41.55% | -49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |