Hinsdale, IL · Charter 68036
NCUA · 1 branch
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.09% | -0.94% | -0.15% | -1.11% | -1.27% | -18 bps | |
| Return on Equity | -16.54% | -14.34% | -2.33% | -19.59% | -21.99% | -545 bps | |
| Net Interest Margin | 3.16% | 3.18% | 2.86% | 2.84% | 3.18% | +2 bps | |
| Efficiency Ratio | 107.36% | 102.13% | 110.14% | 111.67% | 107.38% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.87% | 3.51% | 1.15% | 4.39% | -3.43% | -530 bps | |
| Loan Growth (YoY) | -20.12% | -19.46% | -18.71% | -3.96% | 4.55% | +2,468 bps | |
| Share Growth (YoY) | -0.19% | 2.09% | 1.88% | 6.13% | -2.44% | -225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.55% | 5.11% | 4.59% | 5.48% | 5.23% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.60% | 6.52% | 6.36% | 5.66% | 5.76% | -83 bps | |
| Net Worth / Assets | 6.60% | 6.52% | 6.36% | 5.66% | 5.76% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.79% | 34.68% | 32.24% | 34.44% | 38.35% | +257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 97.79% | 97.68% | 0.00% | 0 bps | |