PackageTrendsPeer
Letter portraitLegal landscape

A M Castle Employees

Franklin Park, IL · Charter 16277

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

A M Castle Employees

Franklin Park, IL · Charter 16277

Q3 2015

$1.5MAssets
$818KLoans
$1.3MShares
$201KNet 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 -0.09%, up 161 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 2.51% of loans (+246 bps YoY).
  • Capital: net worth / assets of 13.75%, up 144 bps from a year ago.
  • Funding: loans stand at 64.98% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.09%+161 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+41 bps YoY

Efficiency Ratio (YTD, annualized)

105.57%+104 bps YoY

Net Worth / Assets

13.75%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.70%-1.97%0.18%0.10%-0.09%+161 bps
Return on Equity-13.81%-16.41%1.58%0.78%-0.67%+1,314 bps
Net Interest Margin2.37%2.40%2.51%2.65%2.78%+41 bps
Efficiency Ratio104.53%105.68%101.53%100.83%105.57%+104 bps
Growth
Asset Growth (YoY)-11.35%-10.18%-5.68%-12.85%-15.57%-422 bps
Loan Growth (YoY)-22.58%-16.59%-17.34%-9.88%-15.49%+710 bps
Share Growth (YoY)-11.31%-9.56%-5.19%-13.38%-17.08%-577 bps
Asset Quality
Delinquent Loans / Loans0.05%0.53%0.50%2.35%2.51%+246 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%1.81%1.89%1.86%1.89%+109 bps
Capital
Risk-Based Capital12.31%12.02%11.34%13.12%13.75%+144 bps
Net Worth / Assets12.31%12.02%11.34%13.12%13.75%+144 bps
Liquidity & Funding
Loans / Shares63.76%65.65%55.05%66.29%64.98%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps