Chicago, IL · Charter 65969
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | -0.77% | -0.91% | -1.41% | -1.39% | -252 bps | |
| Return on Equity | 7.86% | -5.17% | -6.27% | -9.58% | -9.01% | -1,687 bps | |
| Net Interest Margin | 6.51% | 6.02% | 4.64% | 4.64% | 4.70% | -182 bps | |
| Efficiency Ratio | 82.70% | 97.31% | 119.55% | 130.12% | 129.33% | +4,663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.63% | 1.01% | -2.86% | -9.89% | -21.28% | -3,190 bps | |
| Loan Growth (YoY) | -17.59% | -22.72% | -48.88% | -44.01% | -35.23% | -1,763 bps | |
| Share Growth (YoY) | 13.17% | 2.85% | -1.41% | -7.78% | -22.19% | -3,536 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 6.04% | 5.58% | +558 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.51% | 0.62% | 0.67% | 0.65% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.45% | 14.84% | 14.58% | 14.67% | 15.38% | +93 bps | |
| Net Worth / Assets | 14.45% | 14.84% | 14.58% | 14.67% | 15.38% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.58% | 28.54% | 23.58% | 23.05% | 25.46% | -512 bps | |
| Liquid Assets / Assets | 71.83% | 73.93% | 77.50% | 78.15% | 76.41% | +458 bps | |