PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Branch 825 N.A.L.C.

Elmhurst, IL · Charter 62404

Q2 2012

$1.6MAssets
$1.3MLoans
$1.8MShares
$-263KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -52.69%, down 5,311 bps year over year; NIM at 6.15%.
  • Asset quality: problem loans at 10.67% of loans (+776 bps YoY).
  • Capital: net worth / assets of -16.80%, down 2,360 bps from a year ago.
  • Funding: loans stand at 69.80% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-52.69%-5,311 bps YoY

Net Interest Margin (YTD, annualized)

6.15%+106 bps YoY

Efficiency Ratio (YTD, annualized)

243%+16,268 bps YoY

Net Worth / Assets

-16.80%-2,360 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.42%0.61%-0.14%-66.06%-52.69%-5,311 bps
Return on Equity6.18%8.51%-1.94%n/an/an/a
Net Interest Margin5.09%5.30%5.58%5.73%6.15%+106 bps
Efficiency Ratio79.94%78.00%77.79%236%243%+16,268 bps
Growth
Asset Growth (YoY)-3.17%-7.67%-3.29%-18.90%-32.23%-2,906 bps
Loan Growth (YoY)5.65%5.55%-2.03%-11.08%-25.03%-3,068 bps
Share Growth (YoY)-3.69%-8.90%-3.55%-6.36%-16.36%-1,267 bps
Asset Quality
Delinquent Loans / Loans2.91%3.87%4.99%7.67%10.67%+776 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.12%2.52%2.73%20.99%22.73%+2,061 bps
Capital
Risk-Based Capital6.80%7.18%6.98%-8.61%-16.80%-2,360 bps
Net Worth / Assets6.80%7.18%6.98%-8.61%-16.80%-2,360 bps
Liquidity & Funding
Loans / Shares77.88%80.07%80.95%72.15%69.80%-808 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps