Highland Park, IL · Charter 68285
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.10% | -3.13% | -2.69% | -2.35% | -227 bps | |
| Return on Equity | -1.18% | -1.40% | -28.41% | -24.03% | -20.96% | -1,978 bps | |
| Net Interest Margin | 4.86% | 4.74% | 3.74% | 3.89% | 3.83% | -103 bps | |
| Efficiency Ratio | 101.37% | 100.15% | 152.60% | 143.09% | 139.43% | +3,806 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.47% | -7.43% | -48.19% | -45.97% | -49.91% | -4,743 bps | |
| Loan Growth (YoY) | -20.93% | -31.68% | -61.11% | -61.43% | -58.74% | -3,781 bps | |
| Share Growth (YoY) | -1.63% | -7.07% | -50.20% | -48.37% | -52.33% | -5,070 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.67% | 0.34% | 0.68% | 2.12% | +187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.56% | 0.60% | 0.63% | 0.73% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.85% | 7.22% | 11.01% | 11.21% | 11.21% | +436 bps | |
| Net Worth / Assets | 6.85% | 7.22% | 11.01% | 11.21% | 11.21% | +436 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.68% | 61.36% | 61.28% | 61.21% | 54.24% | -844 bps | |
| Liquid Assets / Assets | 36.19% | 37.97% | 35.23% | 35.28% | 41.67% | +548 bps | |