Chicago, IL · Charter 81171
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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, IL · Charter 81171
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 59.15% | -0.94% | -5.87% | -2.48% | -6.17% | -6,531 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 8.29% | 12.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 122.42% | 150.51% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -39.31% | -33.22% | -33.10% | -34.67% | -25.83% | +1,348 bps | |
| Loan Growth (YoY) | -35.52% | -37.84% | -43.50% | -12.41% | 6.28% | +4,180 bps | |
| Share Growth (YoY) | -39.44% | -31.43% | -30.67% | -35.17% | -21.59% | +1,785 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.80% | 0.69% | 0.10% | 0.00% | -129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.01% | 13.42% | 17.25% | 7.80% | 9.42% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.48% | 51.42% | 40.07% | 80.12% | 75.19% | +1,971 bps | |
| Liquid Assets / Assets | 40.75% | 38.41% | 52.07% | 20.45% | 2.51% | -3,824 bps | |