Chicago, IL · Charter 62680
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.13% | 2.48% | -11.43% | -8.34% | -783 bps | |
| Return on Equity | -3.19% | -0.70% | 13.02% | -73.09% | -42.73% | -3,953 bps | |
| Net Interest Margin | 5.50% | 5.85% | 2.48% | 4.13% | 4.19% | -132 bps | |
| Efficiency Ratio | 108.87% | 102.07% | 0.00% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -16.49% | -22.18% | -17.75% | -28.44% | -37.13% | -2,064 bps | |
| Loan Growth (YoY) | 4.64% | -3.42% | -11.45% | 2.51% | -8.98% | -1,361 bps | |
| Share Growth (YoY) | -20.38% | -23.00% | -14.86% | -39.05% | -39.88% | -1,950 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 27.18% | 20.70% | 49.26% | 48.29% | 48.85% | +2,167 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 2.17% | 2.53% | 2.37% | 2.55% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.23% | 18.51% | 19.07% | 15.64% | 19.53% | +330 bps | |
| Net Worth / Assets | 16.23% | 18.51% | 19.07% | 15.64% | 19.53% | +330 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.05% | 53.99% | 47.50% | 74.15% | 77.28% | +2,623 bps | |
| Liquid Assets / Assets | 58.93% | 2.13% | 8.36% | 0.00% | 0.00% | -5,893 bps | |