Chicago, IL · Charter 64637
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 64637
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.28% | -1.60% | -0.70% | -0.48% | -82 bps | |
| Return on Equity | 1.91% | 1.54% | -8.79% | -3.75% | -2.46% | -437 bps | |
| Net Interest Margin | 5.16% | 5.27% | 5.59% | 5.48% | 5.70% | +54 bps | |
| Efficiency Ratio | 81.98% | 81.17% | 98.62% | 89.93% | 85.99% | +402 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.47% | -15.34% | -12.16% | -10.35% | -11.10% | +237 bps | |
| Loan Growth (YoY) | -9.03% | -12.63% | -15.21% | -15.61% | -9.77% | -74 bps | |
| Share Growth (YoY) | -14.37% | -10.32% | -14.44% | -12.35% | -13.08% | +129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 3.39% | 3.15% | 4.83% | 4.41% | +236 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 2.12% | 2.58% | 2.59% | 2.50% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.71% | 18.11% | 18.21% | 18.59% | 19.59% | +187 bps | |
| Net Worth / Assets | 17.71% | 18.11% | 18.21% | 18.59% | 19.59% | +187 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.69% | 99.85% | 95.82% | 95.27% | 104.53% | +384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |