Elgin, IL · Charter 61595
Q1 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.35% | -2.64% | -2.60% | -3.16% | -6.39% | -603 bps | |
| Return on Equity | -1.66% | -14.53% | -14.70% | -18.56% | -41.48% | -3,982 bps | |
| Net Interest Margin | 6.44% | 5.25% | 5.19% | 5.10% | 4.38% | -206 bps | |
| Efficiency Ratio | 105.48% | 118.81% | 112.71% | 117.51% | 128.39% | +2,291 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.17% | 9.83% | 13.01% | 23.64% | 6.16% | +933 bps | |
| Loan Growth (YoY) | -23.20% | -25.53% | -22.89% | -19.04% | -17.19% | +601 bps | |
| Share Growth (YoY) | 0.79% | 18.17% | 22.25% | 36.12% | 13.62% | +1,284 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.57% | 3.90% | 1.37% | 3.12% | 2.53% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 3.00% | 2.02% | 3.12% | 3.07% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.30% | 18.14% | 17.72% | 17.04% | 15.40% | -590 bps | |
| Net Worth / Assets | 21.30% | 18.14% | 17.72% | 17.04% | 15.40% | -590 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.14% | 71.09% | 70.45% | 70.40% | 63.51% | -2,363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |