Lombard, IL · Charter 66063
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.01% | 0.12% | 0.40% | 0.13% | +1 bps | |
| Return on Equity | n/a | n/a | 1.29% | 4.15% | 1.60% | n/a | |
| Net Interest Margin | 3.45% | 5.00% | 4.73% | 5.02% | 4.24% | +79 bps | |
| Efficiency Ratio | 89.73% | 93.16% | 90.47% | 85.84% | 84.96% | -477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.04% | 7.97% | 7.56% | -2.13% | 13.76% | +672 bps | |
| Loan Growth (YoY) | 51.79% | 67.65% | 82.48% | 59.38% | 44.36% | -742 bps | |
| Share Growth (YoY) | 8.18% | 9.99% | 8.55% | -2.76% | 13.91% | +574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 1.03% | 0.54% | 1.27% | 2.01% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.83% | 1.00% | 0.97% | 1.16% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 8.97% | 9.68% | 7.93% | n/a | |
| Net Worth / Assets | n/a | n/a | 8.97% | 9.68% | 7.93% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.01% | 57.87% | 60.78% | 69.03% | 62.11% | +1,310 bps | |
| Liquid Assets / Assets | 15.47% | 19.99% | 24.75% | 19.63% | 24.32% | +885 bps | |