Harrisburg, IL · Charter 65927
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Harrisburg, IL · Charter 65927
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.58% | -4.47% | -5.20% | -6.09% | -5.91% | -132 bps | |
| Return on Equity | -10.43% | -10.31% | -10.88% | -12.70% | -12.58% | -215 bps | |
| Net Interest Margin | 1.51% | 1.49% | 1.46% | 1.83% | 1.76% | +25 bps | |
| Efficiency Ratio | 403% | 401% | 455% | 432% | 435% | +3,220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.20% | 3.08% | -8.43% | -16.36% | -16.49% | -1,969 bps | |
| Loan Growth (YoY) | -27.36% | -20.67% | -25.50% | 1.43% | -30.55% | -319 bps | |
| Share Growth (YoY) | 14.74% | 14.82% | -7.23% | -21.48% | -21.13% | -3,588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 11.69% | 12.20% | 14.09% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 22.20% | 19.73% | 21.77% | 25.77% | 31.97% | +977 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.92% | 43.38% | 47.77% | 47.92% | 46.95% | +304 bps | |
| Net Worth / Assets | 43.92% | 43.38% | 47.77% | 47.92% | 46.95% | +304 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.08% | 26.08% | 29.21% | 25.35% | 20.32% | -275 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |