North Riverside, IL · Charter 68020
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
North Riverside, IL · Charter 68020
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.13% | -0.36% | -0.25% | -1.71% | -158 bps | |
| Return on Equity | -1.45% | -1.49% | -4.10% | -3.02% | -22.32% | -2,087 bps | |
| Net Interest Margin | 2.64% | 2.76% | 2.75% | 2.62% | 2.64% | +1 bps | |
| Efficiency Ratio | 101.86% | 100.32% | 99.45% | 102.74% | 148.47% | +4,661 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.10% | -4.77% | -3.36% | -3.91% | -1.65% | +345 bps | |
| Loan Growth (YoY) | -6.49% | -2.40% | -4.62% | -8.67% | -11.76% | -527 bps | |
| Share Growth (YoY) | -5.50% | -5.08% | -3.28% | -3.99% | -0.54% | +496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 1.47% | 1.03% | 0.25% | 0.00% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.09% | 1.16% | 1.04% | 1.01% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.64% | 8.94% | 8.70% | 8.38% | 7.65% | -99 bps | |
| Net Worth / Assets | 8.64% | 8.94% | 8.70% | 8.38% | 7.65% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.06% | 40.04% | 38.96% | 35.53% | 33.76% | -429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |