Chicago, IL · Charter 62361
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 62361
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.18% | -0.01% | 0.22% | -0.13% | -21 bps | |
| Return on Equity | n/a | n/a | -0.04% | 1.19% | -0.76% | n/a | |
| Net Interest Margin | 3.89% | 4.34% | 4.50% | 4.10% | 4.09% | +20 bps | |
| Efficiency Ratio | 95.88% | 96.13% | 97.73% | 94.92% | 102.51% | +663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.73% | -6.59% | -8.32% | -21.43% | -23.93% | -2,566 bps | |
| Loan Growth (YoY) | 5.35% | 9.16% | 21.29% | -3.38% | -18.53% | -2,388 bps | |
| Share Growth (YoY) | 1.60% | -8.01% | -17.55% | -24.47% | -24.67% | -2,628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.06% | 0.59% | 1.23% | 1.33% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 1.42% | 1.35% | 1.71% | 2.15% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 16.34% | 18.79% | 16.55% | n/a | |
| Net Worth / Assets | n/a | n/a | 16.34% | 18.79% | 16.55% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.69% | 52.55% | 67.62% | 59.04% | 51.58% | +389 bps | |
| Liquid Assets / Assets | 42.56% | 40.24% | 43.54% | 46.22% | 50.69% | +813 bps | |