Joliet, IL · Charter 63754
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.12% | -0.49% | -0.45% | -0.22% | -46 bps | |
| Return on Equity | 1.20% | 0.57% | -2.47% | -2.30% | -1.10% | -229 bps | |
| Net Interest Margin | 3.09% | 2.96% | 2.65% | 2.66% | 2.81% | -28 bps | |
| Efficiency Ratio | 91.43% | 94.73% | 113.75% | 112.22% | 104.40% | +1,297 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | -3.05% | -0.57% | -0.57% | 0.67% | +234 bps | |
| Loan Growth (YoY) | -5.15% | -8.08% | -8.54% | 2.61% | 8.00% | +1,315 bps | |
| Share Growth (YoY) | -2.69% | -4.42% | -1.23% | -0.74% | 1.29% | +398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.67% | 0.64% | 0.43% | 0.41% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.88% | 0.97% | 0.81% | 0.88% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.36% | 20.34% | 19.72% | 19.74% | 19.94% | -42 bps | |
| Net Worth / Assets | 20.36% | 20.34% | 19.72% | 19.74% | 19.94% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.03% | 53.79% | 50.69% | 56.53% | 58.67% | +364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |