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Kemba Peoria

Peoria, IL · Charter 60283

NCUA · 2 branches

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Kemba Peoria

Peoria, IL · Charter 60283

NCUA · 2 branches

Q1 2023

$12.8MAssets
$5.4MLoans
$11.3MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.23%, down 10 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.29% of loans (+10 bps YoY).
  • Capital: net worth / assets of 10.86%, up 83 bps from a year ago.
  • Funding: loans stand at 47.46% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

-0.23%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+96 bps YoY

Efficiency Ratio (YTD, annualized)

105.45%+177 bps YoY

Net Worth / Assets

10.86%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.51%-0.28%-0.04%-0.13%-0.12%0.64%0.55%-0.23%-10 bps
Return on Equity-4.82%-2.65%-0.33%-1.31%-1.21%5.93%4.97%-2.16%-85 bps
Net Interest Margin2.36%2.32%2.33%2.19%2.31%2.38%2.57%3.15%+96 bps
Efficiency Ratio114.27%107.23%100.86%103.68%103.44%85.41%87.51%105.45%+177 bps
Growth
Asset Growth (YoY)23.18%10.90%10.30%5.59%4.62%3.18%1.53%-2.99%-858 bps
Loan Growth (YoY)-3.13%-10.08%-9.21%-3.43%-5.14%-3.40%-2.08%-6.26%-283 bps
Share Growth (YoY)25.15%12.58%11.57%6.14%5.02%2.72%0.88%-3.89%-1,003 bps
Asset Quality
Delinquent Loans / Loans0.06%0.00%0.17%0.19%0.77%0.47%0.42%0.29%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.87%0.97%0.96%1.01%0.88%0.73%0.70%-26 bps
Capital
Risk-Based Capital10.68%10.44%10.63%10.03%10.36%10.77%11.01%10.86%+83 bps
Net Worth / Assets10.68%10.44%10.63%10.03%10.36%10.77%11.01%10.86%+83 bps
Liquidity & Funding
Loans / Shares53.61%52.70%51.14%48.66%48.43%49.55%49.64%47.46%-120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps