Fairview Hts., IL · Charter 65766
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.04% | -0.06% | -0.06% | -0.67% | -71 bps | |
| Return on Equity | 0.32% | -0.26% | -0.43% | -0.44% | -4.46% | -478 bps | |
| Net Interest Margin | 3.67% | 3.50% | 3.46% | 3.42% | 3.10% | -57 bps | |
| Efficiency Ratio | 98.81% | 101.04% | 101.72% | 101.86% | 121.54% | +2,273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.38% | -13.03% | -5.08% | -5.81% | -10.69% | +68 bps | |
| Loan Growth (YoY) | -30.77% | -22.00% | -17.56% | -19.45% | -23.59% | +717 bps | |
| Share Growth (YoY) | -12.74% | -14.51% | -5.85% | -6.59% | -12.20% | +54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.97% | 1.53% | 1.33% | 11.42% | 22.43% | +1,547 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.66% | 10.10% | 10.55% | 11.02% | 12.18% | +252 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.52% | 13.86% | 13.93% | 14.26% | 14.99% | +146 bps | |
| Net Worth / Assets | 13.52% | 13.86% | 13.93% | 14.26% | 14.99% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.95% | 43.30% | 41.83% | 41.15% | 38.25% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |