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Kankakee County Federal Emp

Kankakee, IL · Charter 2707

NCUA · 1 branch

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

Kankakee County Federal Emp

Kankakee, IL · Charter 2707

NCUA · 1 branch

Q3 2018

$4.0MAssets
$758KLoans
$3.2MShares
$768KNet 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 -2.48%, down 247 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (-110 bps YoY).
  • Capital: net worth / assets of 19.21%, up 135 bps from a year ago.
  • Funding: loans stand at 23.76% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.48%-247 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+41 bps YoY

Efficiency Ratio (YTD, annualized)

173.88%+7,342 bps YoY

Net Worth / Assets

19.21%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.01%-0.05%0.31%0.19%-2.48%-247 bps
Return on Equity-0.07%-0.29%1.72%1.08%-12.91%-1,284 bps
Net Interest Margin1.96%1.95%2.05%2.12%2.38%+41 bps
Efficiency Ratio100.46%101.82%90.23%93.59%173.88%+7,342 bps
Growth
Asset Growth (YoY)-2.05%-2.11%-2.83%-3.71%-15.45%-1,340 bps
Loan Growth (YoY)-22.84%-11.01%-9.81%-1.78%1.33%+2,417 bps
Share Growth (YoY)-2.19%-2.54%-3.53%-4.65%-17.67%-1,548 bps
Asset Quality
Delinquent Loans / Loans1.10%2.46%0.89%0.45%0.00%-110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.54%1.44%1.52%1.49%1.16%-38 bps
Capital
Risk-Based Capital17.86%17.64%17.73%17.76%19.21%+135 bps
Net Worth / Assets17.86%17.64%17.73%17.76%19.21%+135 bps
Liquidity & Funding
Loans / Shares19.30%20.30%19.36%19.70%23.76%+445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps