Chicago, IL · Charter 66219
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 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.
Chicago, IL · Charter 66219
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.60% | -2.54% | -3.14% | 4.48% | 2.36% | -224 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 | 9.38% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 80.63% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.92% | 141.64% | 305% | 400% | 427% | +42,219 bps | |
| Loan Growth (YoY) | 47.96% | 57.10% | 643% | 684% | 550% | +50,181 bps | |
| Share Growth (YoY) | -0.56% | 185.25% | 377% | 546% | 523% | +52,331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.46% | 3.24% | 7.37% | 2.69% | 10.27% | -719 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.27% | 0.36% | 10.88% | 9.50% | +950 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 | 84.75% | 32.98% | 90.24% | 88.55% | 88.43% | +368 bps | |
| Liquid Assets / Assets | 36.79% | 40.67% | 20.47% | 16.95% | 11.86% | -2,494 bps | |