Cicero, IL · Charter 65456
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.
Cicero, IL · Charter 65456
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 | 3.97% | 3.98% | 3.77% | 4.43% | 4.94% | +97 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) | -20.49% | -13.64% | -2.42% | -4.69% | -24.84% | -436 bps | |
| Loan Growth (YoY) | -0.99% | -3.65% | 1.18% | -5.47% | 4.53% | +553 bps | |
| Share Growth (YoY) | -23.34% | -16.41% | -3.59% | -6.73% | -30.06% | -672 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.35% | 2.91% | 2.19% | 0.00% | 0.35% | -500 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.38% | 0.27% | 0.00% | 0.59% | +22 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 | 46.23% | 44.61% | 46.62% | 48.64% | 69.09% | +2,287 bps | |
| Liquid Assets / Assets | 56.05% | 56.02% | 56.25% | 55.67% | 31.77% | -2,428 bps | |