Westchester, IL · Charter 68368
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -1.04% | -1.16% | -0.87% | -0.65% | -69 bps | |
| Return on Equity | 0.36% | -9.80% | -10.48% | -7.64% | -5.51% | -586 bps | |
| Net Interest Margin | 3.26% | 2.86% | 3.04% | 3.11% | 3.17% | -9 bps | |
| Efficiency Ratio | 90.78% | 94.51% | 98.01% | 97.64% | 95.76% | +498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.21% | -2.95% | -9.18% | -9.39% | -10.88% | -767 bps | |
| Loan Growth (YoY) | -11.10% | -10.03% | -7.08% | -6.41% | -7.24% | +386 bps | |
| Share Growth (YoY) | -3.51% | -3.03% | -9.79% | -10.13% | -11.59% | -808 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 1.92% | 2.04% | 1.61% | 1.95% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 2.01% | 2.30% | 2.41% | 2.51% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.13% | 10.58% | 11.09% | 11.42% | 11.84% | +71 bps | |
| Net Worth / Assets | 11.13% | 10.58% | 11.09% | 11.42% | 11.84% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.88% | 45.24% | 47.81% | 49.38% | 50.24% | +236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |