PackageTrendsPeer
Letter portraitLegal landscape

Northwest Community

Niles, IL · Charter 60276

NCUA · 2 branches

Q1 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: Q1 2018, the quarter ended March 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

Northwest Community

Niles, IL · Charter 60276

NCUA · 2 branches

Q1 2018

$56.4MAssets
$36.5MLoans
$50.1MShares
$6.2MNet 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 0.27%, up 25 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.23% of loans (+8 bps YoY).
  • Capital: net worth / assets of 10.97%, up 46 bps from a year ago.
  • Funding: loans stand at 72.82% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.27%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+4 bps YoY

Efficiency Ratio (YTD, annualized)

92.48%-268 bps YoY

Net Worth / Assets

10.97%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.02%-0.04%-0.03%-0.14%0.27%+25 bps
Return on Equity0.21%-0.39%-0.29%-1.33%2.49%+227 bps
Net Interest Margin2.40%2.33%2.47%2.51%2.44%+4 bps
Efficiency Ratio95.16%97.09%95.83%94.47%92.48%-268 bps
Growth
Asset Growth (YoY)0.21%1.05%-3.12%-5.50%-4.90%-511 bps
Loan Growth (YoY)15.98%5.10%11.95%5.60%0.37%-1,561 bps
Share Growth (YoY)-0.15%1.28%-3.40%-5.77%-4.94%-478 bps
Asset Quality
Delinquent Loans / Loans0.14%0.04%0.19%0.11%0.23%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.47%0.51%0.46%0.45%-8 bps
Capital
Risk-Based Capital10.51%10.34%10.68%10.79%10.97%+46 bps
Net Worth / Assets10.51%10.34%10.68%10.79%10.97%+46 bps
Liquidity & Funding
Loans / Shares68.96%67.38%74.05%73.54%72.82%+385 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps