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Allsteel

Oswego, IL · Charter 60173

NCUA · 1 branch

Q4 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: Q4 2018, the quarter ended December 31, 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

Allsteel

Oswego, IL · Charter 60173

NCUA · 1 branch

Q4 2018

$20.3MAssets
$11.7MLoans
$16.6MShares
$3.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, up 75 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.42% of loans (-65 bps YoY).
  • Capital: net worth / assets of 17.94%, up 152 bps from a year ago.
  • Funding: loans stand at 70.74% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

0.06%+75 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+47 bps YoY

Efficiency Ratio (YTD, annualized)

98.46%-2,249 bps YoY

Net Worth / Assets

17.94%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.54%-0.58%-0.61%-0.70%-0.16%0.03%-0.02%0.06%+75 bps
Return on Equity-3.33%-3.56%-3.71%-4.25%-0.98%0.16%-0.13%0.31%+456 bps
Net Interest Margin2.51%2.59%2.68%2.70%2.75%2.91%3.03%3.17%+47 bps
Efficiency Ratio119.18%115.65%117.56%120.95%104.91%99.21%100.66%98.46%-2,249 bps
Growth
Asset Growth (YoY)0.20%0.50%-0.77%-2.95%-4.65%-5.73%-6.63%-8.16%-521 bps
Loan Growth (YoY)-3.32%-3.66%-2.37%-1.22%0.24%7.19%4.20%2.55%+377 bps
Share Growth (YoY)1.00%1.20%-0.37%-2.87%-4.99%-6.48%-7.52%-9.80%-693 bps
Asset Quality
Delinquent Loans / Loans0.49%0.74%0.99%1.07%1.08%0.91%0.92%0.42%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.01%3.07%2.92%2.55%2.61%2.30%2.34%2.35%-20 bps
Capital
Risk-Based Capital16.19%16.41%16.49%16.43%16.38%16.99%17.40%17.94%+152 bps
Net Worth / Assets16.19%16.41%16.49%16.43%16.38%16.99%17.40%17.94%+152 bps
Liquidity & Funding
Loans / Shares58.34%59.54%61.08%62.22%61.55%68.25%68.82%70.74%+852 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps