Argonne, IL · Charter 61414
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Argonne, IL · Charter 61414
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.71% | 0.65% | 0.59% | 0.51% | -23 bps | |
| Return on Equity | 6.80% | 6.43% | 5.83% | 5.10% | 4.38% | -242 bps | |
| Net Interest Margin | 2.93% | 2.87% | 2.89% | 2.92% | 2.91% | -2 bps | |
| Efficiency Ratio | 77.48% | 76.99% | 78.60% | 81.16% | 83.24% | +576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.42% | 2.30% | 0.72% | -0.76% | -1.99% | -641 bps | |
| Loan Growth (YoY) | 6.58% | 4.88% | 3.08% | 0.58% | -0.88% | -746 bps | |
| Share Growth (YoY) | 4.06% | 1.87% | 0.02% | -1.28% | -2.72% | -678 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.14% | 0.12% | 0.18% | 0.37% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.26% | 0.27% | 0.30% | 0.33% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.98% | 11.07% | 11.14% | 11.57% | 11.71% | +74 bps | |
| Net Worth / Assets | 10.98% | 11.07% | 11.14% | 11.57% | 11.71% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.78% | 58.98% | 60.03% | 61.47% | 60.91% | +113 bps | |
| Liquid Assets / Assets | 16.39% | 17.31% | 16.44% | 16.62% | 22.60% | +620 bps | |