Chicago, IL · Charter 95045
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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 95045
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.38% | -0.36% | -0.35% | -0.39% | -0.27% | -0.51% | -13.28% | -1,293 bps | |
| Return on Equity | -1.29% | -3.08% | -2.91% | -2.97% | -3.18% | -2.25% | -4.15% | -314% | -31,060 bps | |
| Net Interest Margin | 2.89% | 3.17% | 2.91% | 2.83% | 2.87% | 2.74% | 2.61% | 3.17% | +34 bps | |
| Efficiency Ratio | 105.29% | 111.11% | 111.22% | 111.51% | 112.61% | 109.11% | 117.56% | 416% | +30,403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | -1.10% | 0.36% | 1.79% | 0.51% | -1.39% | -1.68% | -16.74% | -1,853 bps | |
| Loan Growth (YoY) | -2.09% | -0.65% | -9.00% | -13.98% | -19.04% | -21.32% | -16.83% | -27.35% | -1,337 bps | |
| Share Growth (YoY) | 1.11% | -1.05% | 0.56% | 2.59% | 0.87% | -1.12% | -1.40% | -10.16% | -1,274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.20% | 0.95% | 5.55% | 6.95% | 0.24% | 4.97% | 6.07% | 0.00% | -695 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 1.95% | 2.00% | 2.16% | 1.32% | 1.48% | 1.44% | 9.27% | +711 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.84% | 12.28% | 12.21% | 11.93% | 12.38% | 12.12% | 12.21% | 4.24% | -770 bps | |
| Net Worth / Assets | 12.84% | 12.28% | 12.21% | 11.93% | 12.38% | 12.12% | 12.21% | 4.24% | -770 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.20% | 22.37% | 21.90% | 19.97% | 20.23% | 17.80% | 18.47% | 16.15% | -382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |