Spring Valley, IL · Charter 61626
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.30% | -3.35% | -1.52% | -2.05% | -194 bps | |
| Return on Equity | -0.59% | -1.49% | -18.58% | -7.05% | -9.62% | -903 bps | |
| Net Interest Margin | 4.21% | 3.98% | 3.61% | 3.21% | 2.52% | -170 bps | |
| Efficiency Ratio | 102.89% | 107.67% | 195.08% | 147.37% | 181.62% | +7,873 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.81% | 0.54% | -4.87% | -12.50% | -10.19% | -1,400 bps | |
| Loan Growth (YoY) | -28.13% | -39.85% | -47.58% | -50.27% | -40.05% | -1,192 bps | |
| Share Growth (YoY) | 5.33% | 1.14% | -2.63% | -8.58% | -5.22% | -1,055 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 28.12% | 31.16% | 27.37% | 38.86% | 23.61% | -451 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.28% | 6.92% | 13.32% | 26.91% | 25.53% | +2,025 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.95% | 20.05% | 18.05% | 21.60% | 21.35% | +140 bps | |
| Net Worth / Assets | 19.95% | 20.05% | 18.05% | 21.60% | 21.35% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.00% | 36.25% | 30.96% | 27.55% | 28.47% | -1,654 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |