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Health Care Associations

Chicago, IL · Charter 21153

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Health Care Associations

Chicago, IL · Charter 21153

Q3 2013

$1.6MAssets
$245KLoans
$1.4MShares
$198KNet 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 -1.86%, down 134 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 1.43% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.41%, down 91 bps from a year ago.
  • Funding: loans stand at 17.57% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.86%-134 bps YoY

Net Interest Margin (YTD, annualized)

1.66%-33 bps YoY

Efficiency Ratio (YTD, annualized)

141.47%+3,171 bps YoY

Net Worth / Assets

12.41%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.52%-0.72%-1.60%-1.83%-1.86%-134 bps
Return on Equity-3.91%-5.25%-12.35%-14.88%-15.00%-1,109 bps
Net Interest Margin1.99%1.98%1.88%1.64%1.66%-33 bps
Efficiency Ratio109.76%114.98%109.66%135.02%141.47%+3,171 bps
Growth
Asset Growth (YoY)2.00%1.61%-1.69%-1.84%-5.60%-760 bps
Loan Growth (YoY)-22.75%-23.75%-14.97%-14.98%-24.26%-151 bps
Share Growth (YoY)3.14%2.54%-0.52%-0.55%-4.61%-776 bps
Asset Quality
Delinquent Loans / Loans1.47%2.40%2.52%2.48%1.43%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.41%2.41%2.88%2.27%0.80%-161 bps
Capital
Risk-Based Capital13.32%13.70%12.92%12.31%12.41%-91 bps
Net Worth / Assets13.32%13.70%12.92%12.31%12.41%-91 bps
Liquidity & Funding
Loans / Shares22.13%23.44%19.71%19.53%17.57%-456 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps