PackageTrendsPeer
Letter portraitLegal landscape

R. S. Employees

Chicago, IL · Charter 60171

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

R. S. Employees

Chicago, IL · Charter 60171

Q3 2007

$56KAssets
$6KLoans
$13KShares
$43KNet 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 -94.24%, down 9,012 bps year over year; NIM at 9.18%.
  • Asset quality: problem loans at 7.03% of loans (-4,052 bps YoY).
  • Capital: net worth / assets of 76.93%, up 1,617 bps from a year ago.
  • Funding: loans stand at 46.23% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-94.24%-9,012 bps YoY

Net Interest Margin (YTD, annualized)

9.18%+430 bps YoY

Efficiency Ratio (YTD, annualized)

191.54%+709 bps YoY

Net Worth / Assets

76.93%+1,617 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-4.12%-2.56%-4.83%-1.24%-94.24%-9,012 bps
Return on Equity-6.78%-4.16%-5.88%-1.46%-122.49%-11,571 bps
Net Interest Margin4.88%4.22%8.88%6.54%9.18%+430 bps
Efficiency Ratio184.45%160.74%154.41%118.91%191.54%+709 bps
Growth
Asset Growth (YoY)-32.54%-30.62%-35.90%-37.89%-55.61%-2,307 bps
Loan Growth (YoY)-42.83%-39.35%-46.16%-47.66%-89.96%-4,713 bps
Share Growth (YoY)-52.75%-60.82%-75.65%-79.69%-73.84%-2,109 bps
Asset Quality
Delinquent Loans / Loans47.55%81.08%82.08%83.50%7.03%-4,052 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.75%4.75%5.01%5.15%50.63%+4,588 bps
Capital
Risk-Based Capital60.76%61.54%82.14%84.74%76.93%+1,617 bps
Net Worth / Assets60.76%61.54%82.14%84.74%76.93%+1,617 bps
Liquidity & Funding
Loans / Shares120.50%151.25%254%296%46.23%-7,428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps