Lombard, IL · Charter 81707
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Lombard, IL · Charter 81707
Q2 1999
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 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 3.81% | 3.71% | 3.76% | 3.19% | -58 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 6.53% | 10.12% | 14.08% | 12.26% | 17.49% | +1,096 bps | |
| Loan Growth (YoY) | 12.33% | 8.03% | 4.73% | 5.43% | 9.11% | -322 bps | |
| Share Growth (YoY) | 5.22% | 10.73% | 13.16% | 11.04% | 16.10% | +1,088 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.79% | 0.65% | 0.64% | 1.00% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.51% | 0.30% | 0.29% | 0.41% | -13 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 | 80.10% | 80.34% | 79.47% | 75.73% | 75.28% | -482 bps | |
| Liquid Assets / Assets | 15.01% | 14.93% | 16.07% | 20.37% | 19.86% | +485 bps | |