Bradley, IL · Charter 65485
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Bradley, IL · Charter 65485
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -2.62% | -0.72% | 0.17% | 0.26% | +51 bps | |
| Return on Equity | -1.31% | -15.34% | -4.30% | 0.95% | 1.42% | +273 bps | |
| Net Interest Margin | 6.44% | 6.65% | 6.08% | 6.66% | 7.04% | +60 bps | |
| Efficiency Ratio | 95.73% | 96.62% | 110.98% | 97.81% | 96.84% | +111 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.68% | 5.73% | -3.28% | -6.32% | -7.02% | -1,070 bps | |
| Loan Growth (YoY) | -4.18% | 7.14% | 2.73% | 9.64% | 17.03% | +2,121 bps | |
| Share Growth (YoY) | 4.72% | 10.70% | -0.69% | -4.80% | -5.92% | -1,064 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.48% | 9.17% | 18.15% | 15.56% | 17.12% | +763 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.29% | 5.91% | 6.24% | 5.91% | 5.15% | +286 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.02% | 17.08% | 16.74% | 17.39% | 18.11% | -92 bps | |
| Net Worth / Assets | 19.02% | 17.08% | 16.74% | 17.39% | 18.11% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.98% | 71.05% | 66.38% | 72.74% | 87.05% | +1,707 bps | |
| Liquid Assets / Assets | 43.01% | 42.62% | 46.06% | 41.55% | 30.54% | -1,247 bps | |