Chicago, IL · Charter 65232
NCUA · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Chicago, IL · Charter 65232
NCUA · 2 branches
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 2.92% | 1.49% | -7.68% | -51.09% | -13.96% | -3.92% | -5.48% | +220 bps | |
| Return on Equity | 2.17% | 10.44% | 4.48% | -20.45% | -172.01% | -44.56% | -12.82% | -15.66% | +479 bps | |
| Net Interest Margin | 4.93% | 6.09% | 7.58% | 7.68% | 4.90% | 3.67% | 3.76% | 4.92% | -276 bps | |
| Efficiency Ratio | 89.29% | 52.77% | 80.52% | 76.11% | 61.95% | 22.86% | 62.03% | 105.51% | +2,940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.10% | -16.30% | -27.00% | -34.96% | -37.44% | -27.21% | -0.37% | -8.20% | +2,675 bps | |
| Loan Growth (YoY) | -5.53% | -34.64% | -40.49% | -45.38% | -60.08% | -49.91% | -30.15% | -38.67% | +670 bps | |
| Share Growth (YoY) | -19.57% | -23.94% | -37.05% | -45.72% | -39.34% | -30.42% | -13.61% | -23.53% | +2,219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.78% | 29.54% | 8.64% | 39.02% | 23.94% | 36.35% | 75.54% | 91.08% | +5,206 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.08% | 5.08% | 5.95% | 6.74% | 5.26% | 0.00% | 19.28% | 17.66% | +1,092 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.20% | 28.02% | 33.36% | 37.57% | 29.70% | 31.32% | 30.62% | 35.00% | -257 bps | |
| Net Worth / Assets | 25.20% | 28.02% | 33.36% | 37.57% | 29.70% | 31.32% | 30.62% | 35.00% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.80% | 74.60% | 83.62% | 87.27% | 57.78% | 53.70% | 67.60% | 69.99% | -1,728 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |