Rockford, IL · Charter 95063
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Rockford, IL · Charter 95063
Q2 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.34% | 5.28% | 4.62% | 1.29% | 1.34% | -400 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 | 3.91% | 4.07% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 60.77% | 66.59% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.69% | 8.14% | 6.26% | 4.61% | -7.86% | -1,155 bps | |
| Loan Growth (YoY) | 1.12% | -3.67% | -7.05% | -11.24% | -9.39% | -1,051 bps | |
| Share Growth (YoY) | 2.43% | 6.80% | 4.81% | 2.13% | -11.89% | -1,432 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.74% | 1.10% | 1.35% | 0.92% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.57% | 1.59% | 1.17% | 0.85% | -95 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 | 70.48% | 65.34% | 63.98% | 63.91% | 72.47% | +200 bps | |
| Liquid Assets / Assets | 8.36% | 41.62% | 10.09% | 7.30% | 13.50% | +514 bps | |