Chicago, IL · Charter 81714
Q4 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.09% | 0.47% | 0.60% | 0.61% | +47 bps | |
| Return on Equity | 1.36% | 0.89% | 4.60% | 5.44% | 5.10% | +374 bps | |
| Net Interest Margin | 5.42% | 5.08% | 5.34% | 5.59% | 5.88% | +45 bps | |
| Efficiency Ratio | 82.39% | 92.41% | 86.60% | 83.43% | 83.28% | +90 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.36% | -5.99% | -5.54% | -7.93% | -11.84% | -1,148 bps | |
| Loan Growth (YoY) | 10.97% | 6.16% | 8.52% | 4.63% | 1.24% | -972 bps | |
| Share Growth (YoY) | -0.58% | -6.57% | -7.89% | -7.73% | -13.39% | -1,281 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 3.07% | 3.06% | 2.74% | 3.88% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.71% | 2.75% | 2.62% | 2.56% | 2.30% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 9.98% | 10.26% | 10.98% | 11.94% | +195 bps | |
| Net Worth / Assets | 9.99% | 9.98% | 10.26% | 10.98% | 11.94% | +195 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.41% | 53.88% | 57.87% | 60.24% | 64.77% | +936 bps | |
| Liquid Assets / Assets | 17.14% | 21.88% | 21.93% | 23.57% | 17.20% | +6 bps | |