Chicago, IL · Charter 60983
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 | 2.45% | 1.86% | -0.04% | 0.21% | -2.70% | -515 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -60.70% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.63% | 4.36% | 5.11% | n/a | |
| Efficiency Ratio | n/a | n/a | 97.67% | 86.79% | 138.53% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.78% | 12.48% | 2.05% | 2.84% | -8.24% | -2,001 bps | |
| Loan Growth (YoY) | 28.29% | 27.20% | 23.12% | 8.07% | 3.11% | -2,519 bps | |
| Share Growth (YoY) | 13.27% | 13.96% | 2.38% | 3.65% | -6.30% | -1,956 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.39% | 2.85% | 3.09% | 1.73% | 3.25% | +86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 0.72% | 0.97% | 1.33% | 3.59% | +249 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.45% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.45% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.09% | 33.74% | 37.37% | 32.56% | 39.71% | +362 bps | |
| Liquid Assets / Assets | 56.66% | 58.42% | 54.72% | 29.56% | 44.68% | -1,199 bps | |