PackageTrendsPeer
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Cosmopolitan

Chicago, IL · Charter 24188

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Cosmopolitan

Chicago, IL · Charter 24188

NCUA · 1 branch

Q3 2019

$25KAssets
$0KLoans
$20KShares
$4KNet 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 -4.93%, down 271 bps year over year; NIM at 0.53%.
  • Capital: net worth / assets of 16.95%, up 617 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-4.93%-271 bps YoY

Net Interest Margin (YTD, annualized)

0.53%-30 bps YoY

Efficiency Ratio (YTD, annualized)

608%+38,867 bps YoY

Net Worth / Assets

16.95%+617 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-2.22%-2.19%-3.98%-7.13%-4.93%-271 bps
Return on Equity-20.63%-19.87%-35.51%-45.86%-29.11%-848 bps
Net Interest Margin0.83%0.81%0.88%0.76%0.53%-30 bps
Efficiency Ratio219%234%552%611%608%+38,867 bps
Growth
Asset Growth (YoY)-2.92%-11.31%-21.86%-47.79%-47.74%-4,481 bps
Loan Growth (YoY)-66.51%-63.35%-71.06%-76.58%-100.00%-3,349 bps
Share Growth (YoY)-5.15%-13.55%-24.63%-50.62%-51.35%-4,620 bps
Asset Quality
Delinquent Loans / Loans0.00%29.90%28.99%100.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans27.67%33.63%52.67%88.79%n/an/a
Capital
Risk-Based Capital10.78%11.02%11.21%15.54%16.95%+617 bps
Net Worth / Assets10.78%11.02%11.21%15.54%16.95%+617 bps
Liquidity & Funding
Loans / Shares11.73%10.27%7.28%7.11%0.00%-1,173 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps