Chicago Hts, IL · Charter 68329
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Chicago Hts, IL · Charter 68329
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.05% | -0.52% | -1.95% | -1.08% | -144 bps | |
| Return on Equity | 5.10% | 0.80% | -8.61% | -40.70% | -20.54% | -2,564 bps | |
| Net Interest Margin | 5.31% | 4.29% | 3.96% | 3.60% | 3.92% | -139 bps | |
| Efficiency Ratio | 89.82% | 98.37% | 106.89% | 108.75% | 99.87% | +1,004 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.77% | -10.04% | 1.07% | 3.91% | 6.62% | +2,239 bps | |
| Loan Growth (YoY) | -22.27% | -14.61% | -4.68% | -6.40% | -8.85% | +1,342 bps | |
| Share Growth (YoY) | -17.60% | -12.22% | -0.10% | 5.77% | 8.73% | +2,634 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.67% | 0.88% | 1.41% | 2.74% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.51% | 1.32% | 2.47% | 2.27% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.02% | 6.50% | 6.02% | 4.80% | 5.26% | -177 bps | |
| Net Worth / Assets | 7.02% | 6.50% | 6.02% | 4.80% | 5.26% | -177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.63% | 57.23% | 58.76% | 51.81% | 54.18% | -1,045 bps | |
| Liquid Assets / Assets | 34.14% | 40.71% | 39.11% | 28.43% | 28.70% | -544 bps | |