PackageTrendsPeer
Letter portraitLegal landscape

Compaction America

Kewanee, IL · Charter 16313

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Compaction America

Kewanee, IL · Charter 16313

Q3 2014

$2.2MAssets
$951KLoans
$1.7MShares
$420KNet 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 0.45%, up 15 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 5.04% of loans (+211 bps YoY).
  • Capital: net worth / assets of 19.38%, up 412 bps from a year ago.
  • Funding: loans stand at 54.38% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.45%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+59 bps YoY

Efficiency Ratio (YTD, annualized)

82.41%-1,479 bps YoY

Net Worth / Assets

19.38%+412 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.30%0.16%0.75%0.29%0.45%+15 bps
Return on Equity1.97%1.06%4.85%1.66%2.34%+36 bps
Net Interest Margin1.98%2.02%2.22%2.39%2.57%+59 bps
Efficiency Ratio97.20%101.15%66.12%87.84%82.41%-1,479 bps
Growth
Asset Growth (YoY)-7.96%-5.52%-3.82%-12.57%-20.18%-1,222 bps
Loan Growth (YoY)14.17%6.80%0.85%5.57%-4.74%-1,892 bps
Share Growth (YoY)-9.75%-6.70%-4.91%-15.19%-23.97%-1,421 bps
Asset Quality
Delinquent Loans / Loans2.92%5.37%4.78%4.71%5.04%+211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.54%1.72%1.84%1.72%1.90%+36 bps
Capital
Risk-Based Capital15.27%15.40%15.49%17.48%19.38%+412 bps
Net Worth / Assets15.27%15.40%15.49%17.48%19.38%+412 bps
Liquidity & Funding
Loans / Shares43.40%41.16%41.06%51.10%54.38%+1,097 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps