Chicago, IL · Charter 64413
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 64413
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.30% | -3.05% | -2.32% | -2.81% | -3.16% | +14 bps | |
| Return on Equity | -19.79% | -18.35% | -14.27% | -17.86% | -20.58% | -79 bps | |
| Net Interest Margin | 3.27% | 3.33% | 3.32% | 3.27% | 3.40% | +13 bps | |
| Efficiency Ratio | 165.00% | 163.50% | 155.62% | 162.30% | 162.16% | -284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.30% | -8.00% | -9.01% | -7.46% | -8.58% | -229 bps | |
| Loan Growth (YoY) | -12.53% | -10.90% | -12.87% | -12.37% | -6.79% | +574 bps | |
| Share Growth (YoY) | -4.18% | -6.37% | -7.77% | -5.96% | -7.12% | -294 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 2.09% | 1.97% | 2.81% | 2.85% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.50% | 3.41% | 3.81% | 3.69% | 4.37% | +86 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.69% | 16.60% | 16.29% | 15.70% | 15.34% | -134 bps | |
| Net Worth / Assets | 16.69% | 16.60% | 16.29% | 15.70% | 15.34% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.43% | 54.24% | 52.83% | 52.68% | 53.62% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |