Waukegan, IL · Charter 81715
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Waukegan, IL · Charter 81715
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.62% | 0.65% | 0.59% | 0.56% | +1 bps | |
| Return on Equity | 7.13% | 7.82% | 8.26% | 7.74% | 7.30% | +17 bps | |
| Net Interest Margin | 3.10% | 3.15% | 3.07% | 2.95% | 2.94% | -16 bps | |
| Efficiency Ratio | 83.79% | 82.46% | 81.35% | 82.04% | 82.08% | -171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.86% | 9.07% | 10.17% | 8.66% | 9.65% | -21 bps | |
| Loan Growth (YoY) | 10.90% | 9.60% | 9.96% | 10.14% | 9.67% | -123 bps | |
| Share Growth (YoY) | 7.60% | 9.06% | 9.32% | 9.54% | 10.14% | +254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.42% | 0.38% | 0.45% | 0.50% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.44% | 0.44% | 0.43% | 0.44% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.70% | 7.88% | 7.83% | 7.60% | 7.66% | -4 bps | |
| Net Worth / Assets | 7.70% | 7.88% | 7.83% | 7.60% | 7.66% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.47% | 95.53% | 95.78% | 91.71% | 93.07% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |