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School Districts 162/163 Employees

Park Forest, IL · Charter 13253

NCUA · 1 branch

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

School Districts 162/163 Employees

Park Forest, IL · Charter 13253

NCUA · 1 branch

Q2 2019

$1.9MAssets
$171KLoans
$1.6MShares
$369KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.08%, down 3 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (-418 bps YoY).
  • Capital: net worth / assets of 19.17%, down 29 bps from a year ago.
  • Funding: loans stand at 11.02% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.08%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+15 bps YoY

Efficiency Ratio (YTD, annualized)

102.93%+91 bps YoY

Net Worth / Assets

19.17%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-0.05%-0.13%-0.51%0.26%-0.08%-3 bps
Return on Equity-0.26%-0.66%-2.61%1.38%-0.40%-14 bps
Net Interest Margin2.43%2.27%2.33%2.65%2.58%+15 bps
Efficiency Ratio102.02%105.20%109.92%90.43%102.93%+91 bps
Growth
Asset Growth (YoY)-0.57%3.20%4.59%2.83%-1.13%-56 bps
Loan Growth (YoY)-18.21%-28.57%-27.67%-26.74%-16.03%+218 bps
Share Growth (YoY)-0.31%4.37%6.34%4.06%-0.71%-39 bps
Asset Quality
Delinquent Loans / Loans4.18%2.15%1.53%0.00%0.00%-418 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.05%2.12%2.95%3.77%3.82%-22 bps
Capital
Risk-Based Capital19.46%19.34%19.46%18.71%19.17%-29 bps
Net Worth / Assets19.46%19.34%19.46%18.71%19.17%-29 bps
Liquidity & Funding
Loans / Shares13.03%12.84%12.90%10.44%11.02%-201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps