Lasalle, IL · Charter 65029
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 0.00% | 2.52% | 0.57% | 3.21% | +199 bps | |
| Return on Equity | n/a | n/a | n/a | 4.07% | 25.12% | n/a | |
| Net Interest Margin | n/a | 3.31% | 6.14% | 3.89% | 7.05% | n/a | |
| Efficiency Ratio | n/a | 93.78% | 48.03% | 63.19% | 57.47% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.18% | 5.26% | -9.96% | -7.67% | -13.85% | -967 bps | |
| Loan Growth (YoY) | -29.60% | -21.99% | -25.30% | 1.93% | 8.70% | +3,830 bps | |
| Share Growth (YoY) | -2.46% | 8.36% | -9.51% | -7.85% | -15.94% | -1,349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.35% | 4.35% | 3.68% | 2.89% | 2.77% | -157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.42% | 1.60% | 2.22% | 2.05% | 2.98% | -144 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 14.00% | 12.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 14.00% | 12.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.86% | 52.74% | 59.32% | 66.91% | 68.36% | +1,550 bps | |
| Liquid Assets / Assets | 3.01% | 0.00% | 0.00% | 42.41% | 41.11% | +3,809 bps | |