Chicago, IL · Charter 61788
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Chicago, IL · Charter 61788
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.23% | 4.64% | 4.33% | 3.85% | 1.72% | -251 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) | n/a | n/a | n/a | -8.09% | -22.83% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 9.39% | -13.56% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -9.65% | -15.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 2.72% | 5.02% | 2.70% | 5.64% | +313 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 2.25% | 1.84% | 2.05% | 4.88% | +309 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 | 76.18% | 73.46% | 78.60% | 75.02% | 77.50% | +133 bps | |
| Liquid Assets / Assets | 15.64% | 17.06% | 11.43% | 11.84% | 7.57% | -808 bps | |