Elgin, IL · Charter 64838
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Elgin, IL · Charter 64838
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.49% | 0.19% | -0.37% | 0.14% | +45 bps | |
| Return on Equity | -2.77% | -4.57% | 1.81% | -3.61% | 1.40% | +416 bps | |
| Net Interest Margin | 2.46% | 2.43% | 2.62% | 2.70% | 2.47% | +1 bps | |
| Efficiency Ratio | 85.10% | 96.86% | 93.48% | 107.73% | 92.68% | +758 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.65% | 5.32% | 3.61% | -0.37% | 3.06% | -159 bps | |
| Loan Growth (YoY) | -15.68% | -13.52% | -9.17% | -3.89% | -12.71% | +296 bps | |
| Share Growth (YoY) | 5.26% | 6.74% | 4.69% | 0.49% | 4.08% | -118 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.50% | 1.87% | 1.00% | 0.79% | 0.00% | -150 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.33% | 1.41% | 1.42% | 0.53% | -70 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.05% | 10.63% | 10.51% | 10.38% | 10.29% | -76 bps | |
| Net Worth / Assets | 11.05% | 10.63% | 10.51% | 10.38% | 10.29% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.80% | 41.19% | 38.67% | 39.54% | 35.90% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |