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Beverly Bus Garage

Chicago, IL · Charter 2566

NCUA · 2 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Beverly Bus Garage

Chicago, IL · Charter 2566

NCUA · 2 branches

Q3 2018

$2.7MAssets
$2.7MLoans
$2.1MShares
$624KNet 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 -52.44%, down 5,254 bps year over year; NIM at 13.57%.
  • Asset quality: problem loans at 25.09% of loans (+1,888 bps YoY).
  • Capital: net worth / assets of 23.02%, down 1,804 bps from a year ago.
  • Funding: loans stand at 127.31% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-52.44%-5,254 bps YoY

Net Interest Margin (YTD, annualized)

13.57%+244 bps YoY

Efficiency Ratio (YTD, annualized)

152.41%+8,264 bps YoY

Net Worth / Assets

23.02%-1,804 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.11%0.67%-78.45%-58.37%-52.44%-5,254 bps
Return on Equity0.26%1.60%-298%-233%-228%-22,810 bps
Net Interest Margin11.13%11.19%11.07%12.37%13.57%+244 bps
Efficiency Ratio69.78%67.25%117.59%123.24%152.41%+8,264 bps
Growth
Asset Growth (YoY)6.82%2.68%-8.73%-23.11%-33.34%-4,016 bps
Loan Growth (YoY)-2.38%-3.08%-4.48%-14.34%-25.09%-2,271 bps
Share Growth (YoY)12.62%3.53%16.03%-1.93%-12.96%-2,557 bps
Asset Quality
Delinquent Loans / Loans6.21%5.96%6.01%26.32%25.09%+1,888 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.58%3.39%23.19%29.80%30.89%+2,731 bps
Capital
Risk-Based Capital41.05%41.92%26.29%25.02%23.02%-1,804 bps
Net Worth / Assets41.05%41.92%26.29%25.02%23.02%-1,804 bps
Liquidity & Funding
Loans / Shares147.94%149.92%124.36%133.44%127.31%-2,063 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps