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Icg Community

Champaign, IL · Charter 60253

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

Icg Community

Champaign, IL · Charter 60253

Q4 2009

$2.2MAssets
$1.6MLoans
$1.8MShares
$374KNet 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 -4.67%, down 311 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 13.56% of loans (+23 bps YoY).
  • Capital: net worth / assets of 16.95%, down 729 bps from a year ago.
  • Funding: loans stand at 89.38% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-4.67%-311 bps YoY

Net Interest Margin (YTD, annualized)

5.40%-97 bps YoY

Efficiency Ratio (YTD, annualized)

95.52%+657 bps YoY

Net Worth / Assets

16.95%-729 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.56%-2.78%-8.12%-5.17%-4.67%-311 bps
Return on Equity-6.42%-13.05%-43.99%-27.87%-27.54%-2,111 bps
Net Interest Margin6.37%6.09%5.88%6.01%5.40%-97 bps
Efficiency Ratio88.94%93.23%86.46%83.61%95.52%+657 bps
Growth
Asset Growth (YoY)11.00%13.34%8.16%6.34%12.13%+113 bps
Loan Growth (YoY)9.05%8.10%4.69%-7.68%-7.16%-1,621 bps
Share Growth (YoY)17.20%20.60%17.82%15.36%22.51%+531 bps
Asset Quality
Delinquent Loans / Loans13.34%11.92%10.96%12.26%13.56%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.75%1.92%3.00%3.46%2.95%+120 bps
Capital
Risk-Based Capital24.24%21.30%18.46%18.55%16.95%-729 bps
Net Worth / Assets24.24%21.30%18.46%18.55%16.95%-729 bps
Liquidity & Funding
Loans / Shares117.94%103.37%105.03%99.87%89.38%-2,856 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps