Burbank, IL · Charter 68518
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.62% | -8.20% | -8.53% | -13.62% | -2.25% | +737 bps | |
| Return on Equity | -46.92% | -45.03% | -50.00% | -119.08% | -19.72% | +2,720 bps | |
| Net Interest Margin | 6.66% | 5.72% | 5.67% | 5.85% | 5.53% | -113 bps | |
| Efficiency Ratio | 111.91% | 125.33% | 135.14% | 149.30% | 135.25% | +2,333 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -12.75% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -10.15% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -2.76% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 24.95% | 28.47% | 27.57% | 17.54% | 15.69% | -925 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.82% | 8.72% | 10.37% | 9.44% | 7.06% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.50% | 18.21% | 17.06% | 11.44% | 11.42% | -908 bps | |
| Net Worth / Assets | 20.50% | 18.21% | 17.06% | 11.44% | 11.42% | -908 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.41% | 74.39% | 73.28% | 72.54% | 79.84% | -656 bps | |
| Liquid Assets / Assets | 18.98% | 28.86% | 29.29% | 25.70% | 17.31% | -167 bps | |