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Leyden

Franklin Park, IL · Charter 60419

NCUA · 1 branch

Q1 2021

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 2021, the quarter ended March 31, 2021, 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

Leyden

Franklin Park, IL · Charter 60419

NCUA · 1 branch

Q1 2021

$100.6MAssets
$20.5MLoans
$91.8MShares
$8.4MNet 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 -0.16%, down 49 bps year over year; NIM at 1.51%.
  • Asset quality: problem loans at 0.24% of loans (+5 bps YoY).
  • Capital: net worth / assets of 8.34%, down 134 bps from a year ago.
  • Funding: loans stand at 22.38% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-49 bps YoY

Net Interest Margin (YTD, annualized)

1.51%-81 bps YoY

Efficiency Ratio (YTD, annualized)

107.19%+1,937 bps YoY

Net Worth / Assets

8.34%-134 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.34%0.15%0.13%0.08%-0.16%-49 bps
Return on Equity3.48%1.67%1.43%0.87%-1.90%-538 bps
Net Interest Margin2.33%2.01%1.94%1.80%1.51%-81 bps
Efficiency Ratio87.81%93.37%94.05%96.22%107.19%+1,937 bps
Growth
Asset Growth (YoY)2.10%8.85%11.05%13.79%15.51%+1,341 bps
Loan Growth (YoY)-0.08%-5.54%-10.48%-12.67%-15.41%-1,533 bps
Share Growth (YoY)1.45%9.15%11.80%15.13%17.30%+1,584 bps
Asset Quality
Delinquent Loans / Loans0.19%0.49%0.49%0.41%0.24%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%1.01%1.01%0.92%0.85%-10 bps
Capital
Risk-Based Capital9.67%8.98%9.02%8.62%8.34%-134 bps
Net Worth / Assets9.67%8.98%9.02%8.62%8.34%-134 bps
Liquidity & Funding
Loans / Shares31.03%27.38%26.06%24.50%22.38%-865 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps