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Shiloh Baptist

Waukegan, IL · Charter 15812

NCUA · 1 branch

Q3 2022

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: Q3 2022, the quarter ended September 30, 2022, 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

Shiloh Baptist

Waukegan, IL · Charter 15812

NCUA · 1 branch

Q3 2022

$80KAssets
$9KLoans
$74KShares
$5KNet 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 -1.81%, down 365 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.01% of loans (-1,888 bps YoY).
  • Capital: net worth / assets of 6.08%, down 1,695 bps from a year ago.
  • Funding: loans stand at 11.92% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.81%-365 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+98 bps YoY

Efficiency Ratio (YTD, annualized)

131.62%+7,772 bps YoY

Net Worth / Assets

6.08%-1,695 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets1.85%-3.96%-0.93%-2.97%-1.81%-365 bps
Return on Equity8.01%-15.31%-3.70%-10.54%-29.67%-3,768 bps
Net Interest Margin2.43%2.52%1.88%1.71%3.41%+98 bps
Efficiency Ratio53.90%234%137.99%231%131.62%+7,772 bps
Growth
Asset Growth (YoY)-36.54%-31.37%-12.09%-58.88%-23.68%+1,286 bps
Loan Growth (YoY)-41.20%-42.64%-55.13%-73.42%-70.90%-2,970 bps
Share Growth (YoY)-43.44%-38.75%-15.84%-66.49%-7.35%+3,608 bps
Asset Quality
Delinquent Loans / Loans18.89%14.53%0.01%9.22%0.01%-1,888 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans38.72%47.91%61.67%75.82%134.55%+9,583 bps
Capital
Risk-Based Capital23.03%25.84%25.04%28.14%6.08%-1,695 bps
Net Worth / Assets23.03%25.84%25.04%28.14%6.08%-1,695 bps
Liquidity & Funding
Loans / Shares37.94%35.95%27.91%27.31%11.92%-2,602 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps