Chicago, IL · Charter 65619
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.87% | -18.02% | -5.32% | -1.15% | -5.79% | -292 bps | |
| Return on Equity | -5.09% | -34.92% | -10.36% | -2.12% | -11.06% | -597 bps | |
| Net Interest Margin | 6.59% | 6.36% | 5.91% | 2.89% | 3.32% | -327 bps | |
| Efficiency Ratio | 143.18% | 179.26% | 190.04% | 139.67% | 274% | +13,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.53% | -12.69% | -13.67% | -17.26% | -19.13% | -1,360 bps | |
| Loan Growth (YoY) | 7.26% | -3.92% | -9.20% | -4.04% | -16.95% | -2,421 bps | |
| Share Growth (YoY) | -3.35% | -1.73% | -1.06% | -10.33% | -11.92% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.87% | 0.00% | 0.00% | 0.00% | 2.17% | -1,970 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.20% | 29.68% | 31.35% | 36.18% | 35.11% | +3,091 bps | |
| Capital | |||||||
| Risk-Based Capital | 56.42% | 51.59% | 51.36% | 53.95% | 52.34% | -408 bps | |
| Net Worth / Assets | 56.42% | 51.59% | 51.36% | 53.95% | 52.34% | -408 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.24% | 78.95% | 75.53% | 73.42% | 74.71% | -453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |