Oakbrook Terr., IL · Charter 62513
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Oakbrook Terr., IL · Charter 62513
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.83% | -1.15% | -0.84% | 0.69% | 0.01% | 0.05% | 0.16% | 0.86% | +16 bps | |
| Return on Equity | -9.30% | -5.68% | -4.16% | 3.34% | 0.06% | 0.25% | 0.82% | 4.40% | +106 bps | |
| Net Interest Margin | 2.80% | 2.94% | 2.91% | 3.18% | 3.09% | 3.17% | 3.15% | 3.29% | +11 bps | |
| Efficiency Ratio | 138.87% | 124.68% | 118.64% | 91.27% | 95.10% | 94.35% | 92.82% | 91.49% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -34.62% | -0.68% | -1.57% | -5.44% | 0.63% | 3.38% | 4.99% | 7.66% | +1,310 bps | |
| Loan Growth (YoY) | -35.21% | 26.02% | 26.26% | 21.32% | 20.86% | 16.88% | 13.76% | 15.41% | -591 bps | |
| Share Growth (YoY) | -41.34% | 1.32% | -1.53% | -7.33% | -4.33% | -1.67% | 0.40% | 3.62% | +1,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.09% | 0.95% | 0.83% | 0.66% | 0.42% | 0.68% | 0.97% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.22% | 0.93% | 0.82% | 0.84% | 0.77% | 0.81% | 0.61% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.73% | 20.25% | 20.14% | 20.79% | 19.70% | 19.65% | 19.34% | 19.52% | -127 bps | |
| Net Worth / Assets | 19.73% | 20.25% | 20.14% | 20.79% | 19.70% | 19.65% | 19.34% | 19.52% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.84% | 83.66% | 83.45% | 85.87% | 97.06% | 99.44% | 94.55% | 95.64% | +977 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |