Addison, IL · Charter 81718
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.44% | 0.19% | -1.40% | -1.24% | -110 bps | |
| Return on Equity | n/a | n/a | 0.75% | -5.44% | -4.69% | n/a | |
| Net Interest Margin | 3.58% | 4.24% | 4.42% | 4.31% | 4.44% | +86 bps | |
| Efficiency Ratio | 66.10% | 79.54% | 87.00% | 115.52% | 106.82% | +4,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.85% | -22.45% | -26.68% | -26.59% | -21.41% | -456 bps | |
| Loan Growth (YoY) | -12.48% | -0.61% | 14.22% | 8.30% | 4.40% | +1,688 bps | |
| Share Growth (YoY) | -19.69% | -26.95% | -32.62% | -32.31% | -26.08% | -639 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.13% | 0.48% | 2.95% | 4.52% | 8.73% | +660 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.84% | 2.07% | 2.15% | 2.37% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 25.87% | 25.74% | 26.49% | n/a | |
| Net Worth / Assets | n/a | n/a | 25.87% | 25.74% | 26.49% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.50% | 60.46% | 75.16% | 73.51% | 71.32% | +2,082 bps | |
| Liquid Assets / Assets | 35.90% | 28.08% | 17.76% | 17.80% | 35.28% | -63 bps | |