PackageTrendsPeer
Letter portraitLegal landscape

Air Line Pilots Association

Willowbrook, IL · Charter 5609

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Air Line Pilots Association

Willowbrook, IL · Charter 5609

Q3 2015

$169.1MAssets
$5.0MLoans
$152.0MShares
$17.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 31 bps year over year; NIM at 0.89%.
  • Asset quality: problem loans at 4.20% of loans (+9 bps YoY).
  • Capital: net worth / assets of 10.05%, up 43 bps from a year ago.
  • Funding: loans stand at 3.28% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.06%-31 bps YoY

Net Interest Margin (YTD, annualized)

0.89%-3 bps YoY

Efficiency Ratio (YTD, annualized)

88.88%+3,270 bps YoY

Net Worth / Assets

10.05%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.22%0.44%0.37%0.38%0.36%0.35%0.32%0.06%-31 bps
Return on Equity2.36%4.77%3.93%3.91%3.64%3.54%3.21%0.60%-330 bps
Net Interest Margin0.87%0.92%0.91%0.92%0.91%0.96%0.90%0.89%-3 bps
Efficiency Ratio76.43%54.74%54.95%56.18%57.42%52.03%59.11%88.88%+3,270 bps
Growth
Asset Growth (YoY)1.31%1.35%0.83%-0.43%-2.81%-3.95%-2.62%-2.99%-256 bps
Loan Growth (YoY)-8.86%-11.19%-13.17%-12.61%-9.46%-10.39%-7.68%-9.86%+275 bps
Share Growth (YoY)1.20%1.25%0.71%-0.80%-3.47%-4.71%-3.25%-3.49%-269 bps
Asset Quality
Delinquent Loans / Loans2.91%3.01%2.72%4.11%3.50%4.10%3.56%4.20%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.23%4.24%4.82%4.72%4.09%4.97%4.94%4.54%-18 bps
Capital
Risk-Based Capital9.19%9.22%9.45%9.61%9.81%9.93%10.06%10.05%+43 bps
Net Worth / Assets9.19%9.22%9.45%9.61%9.81%9.93%10.06%10.05%+43 bps
Liquidity & Funding
Loans / Shares3.88%3.63%3.54%3.52%3.64%3.41%3.38%3.28%-23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps