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Motor Coach Emp.

East St Louis, IL · Charter 60185

NCUA · 1 branch

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Motor Coach Emp.

East St Louis, IL · Charter 60185

NCUA · 1 branch

Q1 2019

$2.1MAssets
$817KLoans
$1.8MShares
$322KNet 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 -3.60%, down 271 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 2.23% of loans (-80 bps YoY).
  • Capital: net worth / assets of 15.03%, down 71 bps from a year ago.
  • Funding: loans stand at 44.95% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.60%-271 bps YoY

Net Interest Margin (YTD, annualized)

4.96%+17 bps YoY

Efficiency Ratio (YTD, annualized)

112.03%+109 bps YoY

Net Worth / Assets

15.03%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-0.89%-0.66%-0.91%-1.17%-3.60%-271 bps
Return on Equity-5.68%-4.09%-5.78%-7.08%-23.97%-1,829 bps
Net Interest Margin4.79%4.75%4.78%5.10%4.96%+17 bps
Efficiency Ratio110.94%108.11%108.81%106.14%112.03%+109 bps
Growth
Asset Growth (YoY)-3.48%-0.62%0.06%-6.61%-6.42%-295 bps
Loan Growth (YoY)-10.46%-6.50%-1.68%-7.74%-7.35%+311 bps
Share Growth (YoY)-2.73%0.41%1.17%-6.61%-5.64%-291 bps
Asset Quality
Delinquent Loans / Loans3.02%2.30%2.12%4.39%2.23%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%0.74%0.04%0.62%2.76%+170 bps
Capital
Risk-Based Capital15.74%16.04%15.72%16.54%15.03%-71 bps
Net Worth / Assets15.74%16.04%15.72%16.54%15.03%-71 bps
Liquidity & Funding
Loans / Shares45.78%47.17%46.32%49.28%44.95%-83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps