Chicago, IL · Charter 66200
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.17% | -6.48% | -9.25% | -19.99% | -20.51% | -1,034 bps | |
| Return on Equity | -80.47% | -63.16% | -107.79% | -287% | -801% | -72,005 bps | |
| Net Interest Margin | 1.05% | 0.11% | 1.27% | 1.20% | 1.02% | -3 bps | |
| Efficiency Ratio | 831% | 6259% | 813% | 1666% | 811% | -2,024 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 121.55% | 141.03% | -15.48% | -32.64% | -33.71% | -15,526 bps | |
| Loan Growth (YoY) | -79.07% | -83.32% | -87.46% | -86.14% | -98.86% | -1,979 bps | |
| Share Growth (YoY) | 292% | 272% | -17.62% | -38.16% | -36.36% | -32,807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 34.96% | 24.62% | 16.86% | 0.00% | 0.00% | -3,496 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 152.54% | 228% | 323% | 104.64% | 100.00% | -5,254 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.64% | 10.26% | 8.58% | 6.97% | 2.56% | -1,007 bps | |
| Net Worth / Assets | 12.64% | 10.26% | 8.58% | 6.97% | 2.56% | -1,007 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.30% | 2.34% | 1.61% | 1.66% | 0.06% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |