Chicago, IL · Charter 81117
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 1.00% | 2.76% | -2.10% | 0.29% | -0.20% | -0.35% | -0.29% | +181 bps | |
| Return on Equity | 11.21% | 5.78% | 16.85% | -11.44% | 1.98% | -1.17% | -3.99% | -2.85% | +859 bps | |
| Net Interest Margin | 2.53% | 2.50% | 4.85% | 0.25% | 3.77% | 3.35% | 1.44% | 0.27% | +2 bps | |
| Efficiency Ratio | 23.14% | 14.95% | 43.09% | 951% | 57.43% | 105.98% | 126.21% | 198.65% | -75,278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.80% | -21.87% | -11.31% | -15.42% | 17.30% | -11.36% | 111.22% | 78.04% | +9,346 bps | |
| Loan Growth (YoY) | -16.08% | -68.79% | 5.79% | -33.78% | -0.29% | 338% | -15.10% | -3.06% | +3,072 bps | |
| Share Growth (YoY) | -21.35% | -27.54% | -16.09% | -18.19% | 21.42% | -11.16% | 136.84% | 94.44% | +11,262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 63.18% | 0.00% | 0.00% | 100.00% | 58.68% | 0.00% | 0.00% | 0.00% | -10,000 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 48.03% | 0.00% | 0.00% | 11.03% | 7.77% | 9.57% | 16.88% | +1,688 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.34% | 17.33% | 16.37% | 18.36% | 14.44% | 17.15% | 8.71% | 10.12% | -823 bps | |
| Net Worth / Assets | 17.34% | 17.33% | 16.37% | 18.36% | 14.44% | 17.15% | 8.71% | 10.12% | -823 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.50% | 1.24% | 6.33% | 4.17% | 3.69% | 6.11% | 2.27% | 2.08% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |