Naperville, IL · Charter 66882
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.42% | 0.51% | 0.50% | -15.39% | -1,579 bps | |
| Return on Equity | 11.36% | 11.37% | 12.81% | 11.80% | -4485% | -449,667 bps | |
| Net Interest Margin | 3.38% | 3.50% | 3.66% | 3.79% | 3.75% | +36 bps | |
| Efficiency Ratio | 89.53% | 86.45% | 82.22% | 81.81% | 239% | +14,939 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.39% | 1.22% | -1.80% | -4.93% | -8.06% | -1,145 bps | |
| Loan Growth (YoY) | -5.83% | 2.29% | 5.60% | 9.46% | 11.56% | +1,739 bps | |
| Share Growth (YoY) | 2.79% | -0.25% | -6.05% | -6.32% | -5.92% | -871 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 1.45% | 1.48% | 1.44% | 1.48% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.36% | 1.44% | 1.45% | 3.15% | +172 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.50% | 3.70% | 4.00% | 4.22% | 0.34% | -316 bps | |
| Net Worth / Assets | 3.50% | 3.70% | 4.00% | 4.22% | 0.34% | -316 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.32% | 75.08% | 83.50% | 85.39% | 81.01% | +1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.41% | 99.55% | +9,955 bps | |