South Holland, IL · Charter 65342
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.18% | -0.27% | -0.71% | -0.66% | -40 bps | |
| Return on Equity | -1.57% | -1.05% | -1.52% | -3.91% | -3.76% | -220 bps | |
| Net Interest Margin | 1.90% | 1.98% | 1.98% | 1.73% | 1.61% | -29 bps | |
| Efficiency Ratio | 110.00% | 105.16% | 108.92% | 136.10% | 136.82% | +2,683 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.98% | 1.37% | 0.09% | -3.75% | -7.79% | -877 bps | |
| Loan Growth (YoY) | -17.79% | -15.78% | -13.37% | -13.37% | -3.55% | +1,424 bps | |
| Share Growth (YoY) | 1.54% | 1.92% | 0.45% | -3.71% | -8.33% | -986 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.71% | 6.10% | 1.69% | 2.61% | 1.72% | -399 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 2.67% | 2.92% | 2.51% | 2.02% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.68% | 17.60% | 17.95% | 18.11% | 17.55% | +86 bps | |
| Net Worth / Assets | 16.68% | 17.60% | 17.95% | 18.11% | 17.55% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.57% | 31.46% | 30.08% | 29.30% | 30.06% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |