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St. Anthony Hospital Employee

Rockford, IL · Charter 20690

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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 2026-10-12

St. Anthony Hospital Employee

Rockford, IL · Charter 20690

NCUA · 1 branch

Q3 2017

$4.3MAssets
$1.7MLoans
$3.9MShares
$366KNet 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 -0.38%, down 17 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 2.60% of loans (-68 bps YoY).
  • Capital: net worth / assets of 8.51%, down 26 bps from a year ago.
  • Funding: loans stand at 44.03% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.38%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.17%-8 bps YoY

Efficiency Ratio (YTD, annualized)

102.85%+746 bps YoY

Net Worth / Assets

8.51%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.20%-0.12%-0.17%0.06%-0.38%-17 bps
Return on Equity-2.33%-1.35%-2.08%0.64%-4.43%-210 bps
Net Interest Margin2.26%2.30%2.20%2.16%2.17%-8 bps
Efficiency Ratio95.39%95.06%89.07%89.04%102.85%+746 bps
Growth
Asset Growth (YoY)3.48%2.61%3.86%3.26%0.17%-331 bps
Loan Growth (YoY)-1.24%2.58%7.47%17.99%11.55%+1,279 bps
Share Growth (YoY)3.93%3.00%4.38%3.63%0.57%-336 bps
Asset Quality
Delinquent Loans / Loans3.28%4.36%4.33%3.21%2.60%-68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.76%0.80%0.59%0.00%-73 bps
Capital
Risk-Based Capital8.77%9.13%8.39%8.68%8.51%-26 bps
Net Worth / Assets8.77%9.13%8.39%8.68%8.51%-26 bps
Liquidity & Funding
Loans / Shares39.69%43.58%39.65%45.51%44.03%+433 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps