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S M H

Peru, IL · Charter 18110

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

S M H

Peru, IL · Charter 18110

Q3 2015

$832KAssets
$184KLoans
$683KShares
$150KNet 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 -0.23%, down 29 bps year over year; NIM at 2.05%.
  • Asset quality: problem loans at 0.59% of loans (+59 bps YoY).
  • Capital: net worth / assets of 17.97%, up 5 bps from a year ago.
  • Funding: loans stand at 26.90% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.23%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.05%-41 bps YoY

Efficiency Ratio (YTD, annualized)

104.01%+1,137 bps YoY

Net Worth / Assets

17.97%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.06%0.12%-0.01%-0.20%-0.23%-29 bps
Return on Equity0.35%0.61%-0.07%-1.10%-1.26%-161 bps
Net Interest Margin2.45%2.69%2.29%2.15%2.05%-41 bps
Efficiency Ratio92.64%90.48%94.04%102.64%104.01%+1,137 bps
Growth
Asset Growth (YoY)-2.02%4.50%-0.93%-3.41%-1.87%+15 bps
Loan Growth (YoY)0.23%-12.80%-23.75%-26.79%-34.22%-3,444 bps
Share Growth (YoY)-1.84%5.24%-0.98%-3.69%-1.71%+12 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.59%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.88%1.86%2.21%2.62%+189 bps
Capital
Risk-Based Capital17.93%19.72%18.89%18.56%17.97%+5 bps
Net Worth / Assets17.93%19.72%18.89%18.56%17.97%+5 bps
Liquidity & Funding
Loans / Shares40.19%42.80%34.87%30.89%26.90%-1,329 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps