Chicago, IL · Charter 96073
Q3 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.41% | -0.28% | -0.25% | -0.08% | -3.89% | -248 bps | |
| Return on Equity | -15.24% | -2.78% | -2.27% | -0.80% | -48.48% | -3,324 bps | |
| Net Interest Margin | 4.76% | 5.23% | 5.59% | 4.47% | 4.60% | -16 bps | |
| Efficiency Ratio | 100.41% | 91.63% | 87.62% | 86.94% | 125.11% | +2,470 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 29.92% | 6.71% | -28.74% | -26.41% | -18.57% | -4,849 bps | |
| Loan Growth (YoY) | 63.59% | 8.33% | -21.70% | -34.19% | -38.70% | -10,229 bps | |
| Share Growth (YoY) | 32.64% | 13.21% | -30.50% | -24.43% | -18.19% | -5,082 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.88% | 1.53% | 1.91% | 0.00% | -134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.86% | 2.24% | 2.33% | 1.27% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.23% | 9.96% | 10.84% | 10.38% | 8.01% | -122 bps | |
| Net Worth / Assets | 9.23% | 9.96% | 10.84% | 10.38% | 8.01% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.98% | 81.12% | 80.60% | 68.24% | 63.67% | -2,131 bps | |
| Liquid Assets / Assets | 7.23% | 14.49% | 18.92% | 22.28% | 40.57% | +3,335 bps | |