Chicago, IL · Charter 81706
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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 81706
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.78% | 3.47% | 0.61% | 0.00% | 0.48% | -330 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.84% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.15% | 3.59% | 3.86% | n/a | |
| Efficiency Ratio | n/a | n/a | 85.35% | 99.87% | 87.52% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -15.01% | -10.02% | -12.57% | -9.03% | -9.82% | +519 bps | |
| Loan Growth (YoY) | 2.24% | 4.04% | 12.64% | 16.99% | 7.70% | +546 bps | |
| Share Growth (YoY) | -18.34% | -12.72% | -15.11% | -10.80% | -12.08% | +626 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.10% | 7.52% | 3.89% | 4.03% | 6.14% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.95% | 2.80% | 3.08% | 2.37% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 17.00% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 17.00% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.07% | 54.88% | 63.77% | 68.55% | 67.46% | +1,239 bps | |
| Liquid Assets / Assets | 25.40% | 21.04% | 9.92% | 19.79% | 29.31% | +391 bps | |