Arlington Hts, IL · Charter 64911
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Arlington Hts, IL · Charter 64911
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.23% | 3.83% | 3.89% | 3.70% | 3.77% | -46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -15.42% | -21.76% | -11.61% | -19.07% | -24.01% | -859 bps | |
| Loan Growth (YoY) | 20.47% | 25.19% | 1.63% | 0.53% | 7.25% | -1,323 bps | |
| Share Growth (YoY) | -19.10% | -25.63% | -14.21% | -22.83% | -28.62% | -952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 0.45% | 0.51% | 0.86% | 0.40% | -151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.55% | 0.65% | 1.30% | 1.45% | +82 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.34% | 82.52% | 81.89% | 101.30% | 96.67% | +3,233 bps | |
| Liquid Assets / Assets | 16.23% | 21.89% | 30.70% | 10.18% | 21.46% | +523 bps | |