PackageTrendsPeer
Letter portraitLegal landscape

Curtiss Employees

Franklin Park, IL · Charter 21351

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Curtiss Employees

Franklin Park, IL · Charter 21351

Q2 2008

$1.7MAssets
$589KLoans
$1.3MShares
$341KNet 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 1.26%, up 179 bps year over year; NIM at 6.36%.
  • Asset quality: problem loans at 1.38% of loans (-326 bps YoY).
  • Capital: net worth / assets of 20.19%, up 55 bps from a year ago.
  • Funding: loans stand at 43.71% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

1.26%+179 bps YoY

Net Interest Margin (YTD, annualized)

6.36%+9 bps YoY

Efficiency Ratio (YTD, annualized)

82.31%-2,557 bps YoY

Net Worth / Assets

20.19%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-0.53%-0.47%0.17%0.97%1.26%+179 bps
Return on Equity-2.72%-2.43%0.84%4.71%6.22%+894 bps
Net Interest Margin6.27%6.27%6.78%6.76%6.36%+9 bps
Efficiency Ratio107.88%106.89%97.67%86.92%82.31%-2,557 bps
Growth
Asset Growth (YoY)-10.52%-11.35%0.68%1.02%2.96%+1,347 bps
Loan Growth (YoY)-10.74%-5.70%4.02%4.11%7.83%+1,856 bps
Share Growth (YoY)-12.31%-13.52%0.10%0.49%2.34%+1,465 bps
Asset Quality
Delinquent Loans / Loans4.64%3.14%2.87%2.33%1.38%-326 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.71%14.90%14.40%16.75%15.56%-16 bps
Capital
Risk-Based Capital19.63%19.20%20.21%20.59%20.19%+55 bps
Net Worth / Assets19.63%19.20%20.21%20.59%20.19%+55 bps
Liquidity & Funding
Loans / Shares41.48%44.44%50.75%44.17%43.71%+223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps