PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Aurora Policemen

Aurora, IL · Charter 61352

Q4 2015

$15.5MAssets
$3.0MLoans
$13.4MShares
$2.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, down 26 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.74%, down 92 bps from a year ago.
  • Funding: loans stand at 22.20% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.37%-26 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-15 bps YoY

Efficiency Ratio (YTD, annualized)

84.85%+709 bps YoY

Net Worth / Assets

13.74%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.63%0.48%0.41%0.43%0.37%-26 bps
Return on Equity4.28%3.43%2.79%3.00%2.71%-158 bps
Net Interest Margin1.95%1.81%1.88%1.87%1.79%-15 bps
Efficiency Ratio77.77%80.24%84.18%83.28%84.85%+709 bps
Growth
Asset Growth (YoY)14.92%11.63%8.83%8.49%9.68%-525 bps
Loan Growth (YoY)-6.40%-10.14%-6.74%-5.01%-4.19%+222 bps
Share Growth (YoY)16.75%12.88%9.54%9.41%10.95%-581 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.65%0.63%0.64%0.65%+3 bps
Capital
Risk-Based Capital14.66%13.97%14.57%14.29%13.74%-92 bps
Net Worth / Assets14.66%13.97%14.57%14.29%13.74%-92 bps
Liquidity & Funding
Loans / Shares25.70%22.94%24.91%23.73%22.20%-351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps