Chicago, IL · Charter 81413
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 81413
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 | 4.64% | 4.68% | 3.82% | 0.02% | 0.31% | -433 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 | 1.95% | 2.28% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 99.01% | 86.47% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.30% | 2.89% | 7.60% | 14.94% | 2.63% | -367 bps | |
| Loan Growth (YoY) | -25.10% | -12.61% | -4.77% | 8.40% | 11.03% | +3,613 bps | |
| Share Growth (YoY) | 5.93% | 1.80% | 8.13% | 18.25% | 3.16% | -277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 3.54% | 3.05% | 4.20% | 7.04% | +438 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.19% | 1.25% | 1.60% | 1.95% | +52 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 | 37.29% | 38.99% | 38.15% | 39.06% | 40.13% | +284 bps | |
| Liquid Assets / Assets | 53.00% | 56.17% | 55.49% | 37.80% | 57.97% | +497 bps | |