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Brookfield Zoo

Brookfield, IL · Charter 20729

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

Brookfield Zoo

Brookfield, IL · Charter 20729

Q3 2007

$790KAssets
$311KLoans
$627KShares
$163KNet 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 -4.23%, down 414 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.22% of loans (-82 bps YoY).
  • Capital: net worth / assets of 20.63%, up 191 bps from a year ago.
  • Funding: loans stand at 49.54% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-4.23%-414 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+206 bps YoY

Efficiency Ratio (YTD, annualized)

97.68%+317 bps YoY

Net Worth / Assets

20.63%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.10%0.90%-8.46%-4.11%-4.23%-414 bps
Return on Equity-0.52%4.47%-43.30%-19.96%-20.51%-1,999 bps
Net Interest Margin1.96%2.35%5.08%3.92%4.02%+206 bps
Efficiency Ratio94.51%59.31%33.76%48.94%97.68%+317 bps
Growth
Asset Growth (YoY)-12.19%-6.74%-14.68%-12.74%-17.37%-518 bps
Loan Growth (YoY)37.19%64.86%71.69%41.74%22.57%-1,462 bps
Share Growth (YoY)-14.46%-8.40%-14.69%-14.01%-18.84%-437 bps
Asset Quality
Delinquent Loans / Loans1.04%0.81%0.00%0.00%0.22%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.50%6.26%10.30%10.28%10.37%+288 bps
Capital
Risk-Based Capital18.72%20.12%19.53%20.58%20.63%+191 bps
Net Worth / Assets18.72%20.12%19.53%20.58%20.63%+191 bps
Liquidity & Funding
Loans / Shares32.81%40.27%40.03%42.45%49.54%+1,674 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps