Chicago, IL · Charter 65830
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.52% | -2.85% | -2.46% | -2.88% | -7.12% | -61 bps | |
| Return on Equity | -100.28% | -49.92% | -44.61% | -63.79% | -287% | -18,720 bps | |
| Net Interest Margin | 3.51% | 3.29% | 3.68% | 3.74% | 2.86% | -65 bps | |
| Efficiency Ratio | 126.90% | 105.88% | 108.91% | 111.69% | 210% | +8,304 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.69% | 9.05% | 3.64% | 3.22% | 3.86% | -783 bps | |
| Loan Growth (YoY) | -17.57% | -13.28% | 13.50% | 9.16% | -26.83% | -926 bps | |
| Share Growth (YoY) | 22.39% | 18.09% | 11.15% | 10.31% | 8.41% | -1,398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.47% | 2.04% | 3.91% | 0.00% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.16% | 3.33% | 3.69% | 5.93% | 0.48% | -368 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.50% | 5.71% | 5.52% | 4.51% | 2.48% | -402 bps | |
| Net Worth / Assets | 6.50% | 5.71% | 5.52% | 4.51% | 2.48% | -402 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.44% | 23.50% | 26.93% | 24.84% | 13.12% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |