Waukegan, IL · Charter 81410
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.50% | 0.22% | 0.36% | 0.54% | -12 bps | |
| Return on Equity | 3.39% | 2.67% | 1.18% | 1.89% | 2.66% | -73 bps | |
| Net Interest Margin | 4.21% | 3.95% | 4.02% | 4.06% | 4.21% | 0 bps | |
| Efficiency Ratio | 85.32% | 88.29% | 85.44% | 82.60% | 82.53% | -279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.56% | 6.02% | 4.17% | 2.55% | -1.30% | -74 bps | |
| Loan Growth (YoY) | -5.48% | -2.49% | -1.93% | -1.05% | 1.81% | +729 bps | |
| Share Growth (YoY) | -0.83% | 6.85% | 4.74% | 2.64% | -2.72% | -189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 2.55% | 1.33% | 1.47% | 1.66% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.60% | 1.15% | 1.10% | 1.27% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.63% | 18.72% | 18.99% | 19.16% | 20.32% | +69 bps | |
| Net Worth / Assets | 19.63% | 18.72% | 18.99% | 19.16% | 20.32% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.47% | 49.04% | 49.86% | 48.96% | 53.87% | +239 bps | |
| Liquid Assets / Assets | 22.04% | 24.89% | 20.31% | 25.19% | 19.78% | -225 bps | |