Palatine, IL · Charter 65956
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.47% | 0.27% | 0.29% | 0.47% | +1 bps | |
| Return on Equity | 4.63% | 4.83% | 2.78% | 3.08% | 4.71% | +7 bps | |
| Net Interest Margin | 2.38% | 2.32% | 2.25% | 2.21% | 2.29% | -9 bps | |
| Efficiency Ratio | 83.09% | 82.30% | 85.64% | 85.25% | 83.94% | +85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.47% | 3.32% | 3.25% | 4.50% | 5.27% | +180 bps | |
| Loan Growth (YoY) | -0.12% | 0.03% | -0.96% | -2.08% | -3.96% | -384 bps | |
| Share Growth (YoY) | 3.41% | 3.03% | 2.94% | 4.41% | 5.06% | +165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.28% | 0.28% | 0.23% | 0.17% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.84% | 0.84% | 0.77% | 0.57% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.93% | 9.80% | 9.62% | 9.43% | 9.91% | -1 bps | |
| Net Worth / Assets | 9.93% | 9.80% | 9.62% | 9.43% | 9.91% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.32% | 49.78% | 47.68% | 45.82% | 46.92% | -441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |