Melrose Park, IL · Charter 66256
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Melrose Park, IL · Charter 66256
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.50% | 4.74% | 0.82% | 3.04% | 6.57% | +207 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 13.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 10.20% | 7.99% | 16.05% | n/a | |
| Efficiency Ratio | n/a | n/a | 64.83% | 69.66% | 66.97% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 46.76% | 51.34% | 35.21% | 28.34% | -40.02% | -8,678 bps | |
| Loan Growth (YoY) | 43.13% | 82.32% | 50.23% | 67.54% | -29.58% | -7,271 bps | |
| Share Growth (YoY) | 57.44% | 59.02% | 45.71% | 32.25% | -58.63% | -11,607 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.87% | 6.98% | 26.51% | 34.13% | 61.87% | +4,000 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.41% | 2.49% | 2.11% | 3.32% | +281 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 48.47% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 48.47% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.88% | 82.83% | 79.89% | 72.42% | 151.29% | +6,241 bps | |
| Liquid Assets / Assets | 2.44% | 2.10% | 3.34% | 0.00% | 23.43% | +2,099 bps | |