Aurora, IL · Charter 61362
Q1 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1998, the quarter ended March 31, 1998, 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.
Aurora, IL · Charter 61362
Q1 1998
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 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 4.40% | 4.14% | 4.23% | 4.19% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 8.86% | 8.72% | 2.80% | 2.42% | 1.51% | -735 bps | |
| Loan Growth (YoY) | 14.85% | 11.20% | 5.09% | 2.59% | -2.88% | -1,772 bps | |
| Share Growth (YoY) | 8.27% | 7.67% | 2.50% | 2.63% | 1.32% | -695 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.36% | 0.99% | 1.10% | 1.18% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.87% | 0.97% | 1.07% | 1.15% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.99% | 85.88% | 90.43% | 89.64% | 81.47% | -352 bps | |
| Liquid Assets / Assets | 16.11% | 15.66% | 10.28% | 11.92% | 18.52% | +241 bps | |