Champaign, IL · Charter 65690
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Champaign, IL · Charter 65690
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -0.16% | -0.18% | 0.17% | 0.12% | +58 bps | |
| Return on Equity | -2.87% | -1.01% | -1.12% | 1.04% | 0.69% | +356 bps | |
| Net Interest Margin | 3.45% | 3.35% | 3.46% | 3.74% | 3.93% | +48 bps | |
| Efficiency Ratio | 95.02% | 104.74% | 105.12% | 95.43% | 90.89% | -414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.70% | -12.39% | -0.03% | -0.33% | -3.56% | +1,513 bps | |
| Loan Growth (YoY) | 0.55% | -16.66% | -23.39% | -7.06% | -0.64% | -119 bps | |
| Share Growth (YoY) | -21.20% | -13.91% | 0.58% | 0.38% | -4.39% | +1,682 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.97% | 5.46% | 4.07% | 3.64% | 2.69% | -128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.48% | 0.97% | 1.82% | 2.01% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.22% | 15.85% | 15.91% | 16.51% | 16.93% | +72 bps | |
| Net Worth / Assets | 16.22% | 15.85% | 15.91% | 16.51% | 16.93% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.01% | 49.90% | 47.67% | 59.44% | 58.21% | +219 bps | |
| Liquid Assets / Assets | 50.06% | 54.74% | 56.62% | 47.54% | 49.33% | -73 bps | |