North Chicago, IL · Charter 64738
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
North Chicago, IL · Charter 64738
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1015% | -5366% | 0.00% | -78.40% | -374000% | -37,298,455 bps | |
| Return on Equity | -1015% | -7467% | 0.00% | -79.85% | n/a | n/a | |
| Net Interest Margin | -858% | -682% | 0.00% | 1.00% | -1400% | -54,175 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 7950% | 93600% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -97.30% | -97.74% | -97.79% | -98.32% | -99.96% | -266 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 100.00% | 71.86% | 86.37% | 98.19% | 0.00% | -10,000 bps | |
| Net Worth / Assets | 100.00% | 71.86% | 86.37% | 98.19% | 0.00% | -10,000 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 60.30% | 52.38% | 100.00% | 99.31% | 0.00% | -6,030 bps | |