Palos Heights, IL · Charter 61207
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.28% | 0.33% | 0.27% | -0.04% | -25 bps | |
| Return on Equity | 1.94% | 2.36% | 2.66% | 2.16% | -0.32% | -225 bps | |
| Net Interest Margin | 1.05% | 1.07% | 1.11% | 1.06% | 1.03% | -2 bps | |
| Efficiency Ratio | 78.51% | 73.67% | 70.04% | 75.11% | 103.70% | +2,520 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.75% | -13.21% | -12.24% | -8.44% | -7.09% | +166 bps | |
| Loan Growth (YoY) | 0.04% | 4.32% | 6.66% | 6.77% | 8.22% | +818 bps | |
| Share Growth (YoY) | -9.89% | -14.82% | -13.63% | -9.71% | -8.06% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.18% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.71% | 0.66% | 0.65% | 0.60% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.13% | 11.91% | 12.55% | 12.33% | 12.19% | +105 bps | |
| Net Worth / Assets | 11.13% | 11.91% | 12.55% | 12.33% | 12.19% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.00% | 8.87% | 9.93% | 9.87% | 9.41% | +142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |