Champaign, IL · Charter 66023
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Champaign, IL · Charter 66023
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.98% | 4.65% | 3.05% | 2.71% | 4.04% | +106 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 20.55% | -1.60% | -8.18% | -9.23% | -2.39% | -2,294 bps | |
| Loan Growth (YoY) | -2.75% | -10.88% | -6.39% | -69.81% | -89.85% | -8,711 bps | |
| Share Growth (YoY) | 28.52% | -4.74% | -13.51% | -7.16% | 23.89% | -463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.61% | 5.68% | 33.41% | 57.01% | 100.00% | +7,439 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.51% | 7.07% | 1.91% | 3.88% | 13.87% | +736 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.91% | 31.84% | 22.17% | 9.03% | 2.86% | -3,205 bps | |
| Liquid Assets / Assets | 60.38% | 54.97% | 36.25% | 33.33% | 46.46% | -1,392 bps | |