Chicago Hts, IL · Charter 65453
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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 Hts, IL · Charter 65453
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.63% | 3.13% | 4.61% | 3.59% | 1.20% | -243 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -23.58% | -23.58% | -21.98% | -26.59% | -24.32% | -74 bps | |
| Loan Growth (YoY) | -27.86% | -22.63% | -10.69% | -21.99% | -29.44% | -158 bps | |
| Share Growth (YoY) | -26.78% | -23.20% | -25.91% | -31.03% | -28.08% | -130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 2.36% | 2.32% | 0.58% | 0.00% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.23% | 10.53% | 9.65% | 8.88% | 12.06% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.20% | 47.09% | 57.56% | 57.20% | 44.34% | -85 bps | |
| Liquid Assets / Assets | 56.02% | 61.18% | 55.31% | 53.24% | 59.22% | +320 bps | |