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Hyster Danville Emp.

Danville, IL · Charter 60213

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Hyster Danville Emp.

Danville, IL · Charter 60213

NCUA · 1 branch

Q1 2022

$15.5MAssets
$5.7MLoans
$14.1MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -2.39%, down 250 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.71% of loans (-20 bps YoY).
  • Capital: net worth / assets of 8.78%, down 125 bps from a year ago.
  • Funding: loans stand at 40.37% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

-2.39%-250 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-26 bps YoY

Efficiency Ratio (YTD, annualized)

161.46%+7,498 bps YoY

Net Worth / Assets

8.78%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.06%0.01%0.05%0.11%0.56%0.81%-0.47%-2.39%-250 bps
Return on Equity0.56%0.05%0.47%1.05%5.48%7.95%-4.94%-27.24%-2,829 bps
Net Interest Margin3.70%3.67%3.48%2.80%2.78%2.68%2.74%2.54%-26 bps
Efficiency Ratio76.18%76.67%77.09%86.48%79.13%73.50%102.37%161.46%+7,498 bps
Growth
Asset Growth (YoY)3.50%7.62%10.93%14.39%11.65%16.52%8.78%1.62%-1,277 bps
Loan Growth (YoY)-7.90%-13.49%-15.19%-13.89%-13.08%-13.91%-14.61%-14.54%-64 bps
Share Growth (YoY)4.01%8.54%12.22%16.08%12.66%17.76%10.47%3.10%-1,298 bps
Asset Quality
Delinquent Loans / Loans0.76%0.60%0.41%0.90%0.70%0.35%0.80%0.71%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.24%2.61%2.80%3.15%3.32%3.53%3.75%3.92%+77 bps
Capital
Risk-Based Capital11.05%11.09%10.77%10.03%10.19%10.17%9.44%8.78%-125 bps
Net Worth / Assets11.05%11.09%10.77%10.03%10.19%10.17%9.44%8.78%-125 bps
Liquidity & Funding
Loans / Shares61.50%59.00%55.25%48.70%47.45%43.13%42.71%40.37%-833 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps