Hinsdale, IL · Charter 68036
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Hinsdale, IL · Charter 68036
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | -0.82% | -0.43% | -1.09% | -0.94% | -0.15% | -1.11% | -1.27% | -18 bps | |
| Return on Equity | 14.64% | -11.36% | -5.99% | -16.54% | -14.34% | -2.33% | -19.59% | -21.99% | -545 bps | |
| Net Interest Margin | 3.90% | 3.38% | 3.12% | 3.16% | 3.18% | 2.86% | 2.84% | 3.18% | +2 bps | |
| Efficiency Ratio | 83.45% | 110.99% | 104.46% | 107.36% | 102.13% | 110.14% | 111.67% | 107.38% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.96% | -6.69% | -3.81% | 1.87% | 3.51% | 1.15% | 4.39% | -3.43% | -530 bps | |
| Loan Growth (YoY) | -17.05% | -15.88% | -18.70% | -20.12% | -19.46% | -18.71% | -3.96% | 4.55% | +2,468 bps | |
| Share Growth (YoY) | -5.83% | -7.78% | -4.35% | -0.19% | 2.09% | 1.88% | 6.13% | -2.44% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.97% | 11.23% | 8.63% | 4.34% | 4.09% | 3.77% | 3.18% | 2.14% | -220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.38% | 7.64% | 7.52% | 4.55% | 5.11% | 4.59% | 5.48% | 5.23% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.72% | 7.20% | 7.20% | 6.60% | 6.52% | 6.36% | 5.66% | 5.76% | -83 bps | |
| Net Worth / Assets | 7.72% | 7.20% | 7.20% | 6.60% | 6.52% | 6.36% | 5.66% | 5.76% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.96% | 40.41% | 38.05% | 35.79% | 34.68% | 32.24% | 34.44% | 38.35% | +257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.79% | 97.68% | 0.00% | 0 bps | |