Chicago Hgts, IL · Charter 64921
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -0.16% | 0.13% | 0.16% | 0.39% | +98 bps | |
| Return on Equity | -4.97% | -1.29% | 1.05% | 1.25% | 2.99% | +796 bps | |
| Net Interest Margin | 2.96% | 2.76% | 2.72% | 2.78% | 2.33% | -63 bps | |
| Efficiency Ratio | 71.31% | 77.23% | 75.02% | 77.68% | 80.11% | +880 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 1.99% | 0.21% | -4.91% | -7.55% | -1,352 bps | |
| Loan Growth (YoY) | -4.62% | -7.18% | -13.14% | -14.54% | -11.13% | -650 bps | |
| Share Growth (YoY) | 7.83% | 3.10% | 0.96% | -5.33% | -8.65% | -1,648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.55% | 4.33% | 3.39% | 3.34% | 3.23% | +67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.43% | 1.66% | 1.94% | 1.90% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 12.15% | 12.23% | 12.94% | 13.18% | +138 bps | |
| Net Worth / Assets | 11.79% | 12.15% | 12.23% | 12.94% | 13.18% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.15% | 59.50% | 54.64% | 57.75% | 56.57% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |