Rockford, IL · Charter 65589
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Rockford, IL · Charter 65589
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.50% | 3.00% | 3.95% | 4.31% | 3.18% | -231 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 | 7.79% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 62.15% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.95% | -6.54% | -15.73% | -3.80% | -6.20% | +175 bps | |
| Loan Growth (YoY) | 6.40% | 8.65% | -6.81% | -9.44% | -12.82% | -1,922 bps | |
| Share Growth (YoY) | -15.67% | -13.81% | -21.24% | -6.55% | -9.23% | +644 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.40% | 4.23% | 0.00% | 0.79% | 5.95% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 1.43% | 5.12% | 4.88% | 5.12% | +469 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 | 117.79% | 114.44% | 109.18% | 111.85% | 113.13% | -466 bps | |
| Liquid Assets / Assets | 3.00% | 4.10% | 12.84% | 12.92% | 12.91% | +991 bps | |