Chicago, IL · Charter 65395
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.16% | 0.19% | -0.11% | -1.18% | -105 bps | |
| Return on Equity | -0.79% | -0.94% | 1.19% | -0.67% | -6.97% | -618 bps | |
| Net Interest Margin | 5.00% | 5.35% | 4.75% | 5.19% | 5.54% | +54 bps | |
| Efficiency Ratio | 91.63% | 92.31% | 96.49% | 96.74% | 99.93% | +830 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.45% | -1.43% | 0.59% | -6.97% | -7.52% | -307 bps | |
| Loan Growth (YoY) | 4.76% | 1.78% | 2.55% | -0.11% | -6.27% | -1,103 bps | |
| Share Growth (YoY) | -5.23% | -1.48% | 0.97% | -8.09% | -7.92% | -269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 1.24% | 1.16% | 1.61% | 0.18% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.70% | 1.84% | 1.69% | 1.62% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.53% | 17.48% | 15.60% | 16.79% | 16.91% | +38 bps | |
| Net Worth / Assets | 16.53% | 17.48% | 15.60% | 16.79% | 16.91% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.71% | 59.62% | 49.71% | 56.67% | 57.72% | +102 bps | |
| Liquid Assets / Assets | 18.56% | 16.95% | 21.37% | 12.80% | 16.20% | -236 bps | |