Oak Park, IL · Charter 66024
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Oak Park, IL · Charter 66024
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.97% | -1.91% | -1.58% | -2.25% | -193 bps | |
| Return on Equity | -2.60% | -8.32% | -16.32% | -13.83% | -22.05% | -1,945 bps | |
| Net Interest Margin | 4.67% | 4.68% | 4.46% | 4.39% | 4.24% | -43 bps | |
| Efficiency Ratio | 103.44% | 105.72% | 137.22% | 121.66% | 128.27% | +2,483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.22% | -4.76% | -2.23% | -1.37% | 0.66% | +588 bps | |
| Loan Growth (YoY) | -6.45% | -1.95% | -11.52% | -13.31% | -18.19% | -1,173 bps | |
| Share Growth (YoY) | -3.21% | -3.45% | -0.98% | 2.61% | 3.31% | +652 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.34% | 2.80% | 2.91% | 2.52% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 2.15% | 2.35% | 2.26% | 2.79% | +92 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.41% | 11.70% | 11.68% | 11.45% | 10.20% | -221 bps | |
| Net Worth / Assets | 12.41% | 11.70% | 11.68% | 11.45% | 10.20% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.56% | 77.53% | 70.04% | 65.45% | 60.62% | -1,593 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |