PackageTrendsPeer
Letter portraitLegal landscape

Amco Engineering Co. Employees

Schiller Pk, IL · Charter 20541

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Amco Engineering Co. Employees

Schiller Pk, IL · Charter 20541

Q2 2003

$1KAssets
$0KLoans
$0KShares
$0KNet 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 -12500.20%, down 1,250,068 bps year over year; NIM at -12500.20%.
  • Capital: net worth / assets of 1.38%, down 1,490 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-12500%-1,250,068 bps YoY

Net Interest Margin (YTD, annualized)

-12500%-1,250,284 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

1.38%-1,490 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets0.48%-0.07%-1.40%-1.84%-12500%-1,250,068 bps
Return on Equity2.98%-0.44%-9.50%-7.00%-905371%-90,537,441 bps
Net Interest Margin2.64%2.25%0.83%1.76%-12500%-1,250,284 bps
Efficiency Ratio81.90%102.90%256%205%n/an/a
Growth
Asset Growth (YoY)0.01%5.91%-5.03%-46.37%-99.78%-9,979 bps
Loan Growth (YoY)-75.81%-83.73%-86.44%-87.91%-100.00%-2,419 bps
Share Growth (YoY)1.26%12.23%-4.03%-51.45%-100.00%-10,126 bps
Asset Quality
Delinquent Loans / Loans18.00%14.04%16.83%38.14%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.53%8.04%10.88%24.92%n/an/a
Capital
Risk-Based Capital16.28%15.22%14.74%26.32%1.38%-1,490 bps
Net Worth / Assets16.28%15.22%14.74%26.32%1.38%-1,490 bps
Liquidity & Funding
Loans / Shares8.18%6.03%4.76%4.31%n/an/a
Liquid Assets / Assets92.91%94.51%95.60%95.42%100.00%+709 bps