Arlington Hgts, IL · Charter 61639
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Arlington Hgts, IL · Charter 61639
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.46% | 0.40% | 0.41% | 0.29% | -17 bps | |
| Return on Equity | 7.09% | 7.14% | 6.39% | 6.39% | 4.32% | -277 bps | |
| Net Interest Margin | 2.95% | 2.91% | 2.94% | 2.96% | 3.15% | +20 bps | |
| Efficiency Ratio | 87.11% | 87.12% | 89.96% | 88.19% | 90.20% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.50% | 5.38% | 7.32% | 5.23% | 1.82% | -669 bps | |
| Loan Growth (YoY) | 5.92% | 6.45% | 6.51% | 7.86% | 7.04% | +111 bps | |
| Share Growth (YoY) | 8.58% | 4.87% | 6.98% | 4.63% | 1.23% | -735 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.04% | 1.00% | 0.99% | 0.54% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.87% | 0.84% | 0.81% | 0.62% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.44% | 6.42% | 6.29% | 6.35% | 6.66% | +22 bps | |
| Net Worth / Assets | 6.44% | 6.42% | 6.29% | 6.35% | 6.66% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.40% | 67.83% | 65.51% | 67.38% | 72.32% | +392 bps | |
| Liquid Assets / Assets | 0.00% | 98.17% | 0.00% | 0.00% | 0.00% | 0 bps | |