West Chicago, IL · Charter 65925
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -1.02% | -0.45% | -0.33% | -1.52% | -78 bps | |
| Return on Equity | -5.23% | -7.00% | -3.44% | -2.54% | -10.76% | -552 bps | |
| Net Interest Margin | 6.87% | 7.37% | 6.13% | 6.08% | 7.05% | +18 bps | |
| Efficiency Ratio | 86.83% | 88.27% | 87.90% | 86.08% | 99.76% | +1,293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.35% | -7.58% | -10.16% | 0.56% | -18.25% | -990 bps | |
| Loan Growth (YoY) | -17.22% | -24.01% | -30.27% | -34.16% | -31.74% | -1,451 bps | |
| Share Growth (YoY) | -8.65% | -6.98% | -9.84% | 2.95% | -18.38% | -973 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.74% | 6.11% | 4.34% | 4.61% | 5.75% | -299 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 2.08% | 2.50% | 2.88% | 3.20% | +121 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.01% | 14.59% | 13.11% | 13.06% | 14.11% | +10 bps | |
| Net Worth / Assets | 14.01% | 14.59% | 13.11% | 13.06% | 14.11% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.53% | 90.11% | 75.97% | 71.88% | 78.22% | -1,531 bps | |
| Liquid Assets / Assets | 19.35% | 22.49% | 33.77% | 37.38% | 32.76% | +1,341 bps | |