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Kankakee Terminal Belt

Kankakee, IL · Charter 60536

NCUA · 1 branch

Q3 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: Q3 2023, the quarter ended September 30, 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

Kankakee Terminal Belt

Kankakee, IL · Charter 60536

NCUA · 1 branch

Q3 2023

$6.7MAssets
$5.5MLoans
$6.0MShares
$357KNet Worth

Executive Summary

  • Earnings: ROA of -5.18%, down 594 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 0.24% of loans (-12 bps YoY).
  • Capital: net worth / assets of 5.35%, down 313 bps from a year ago.
  • Funding: loans stand at 91.25% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

-5.18%-594 bps YoY

Net Interest Margin (YTD, annualized)

5.26%+107 bps YoY

Efficiency Ratio (YTD, annualized)

169.81%+8,100 bps YoY

Net Worth / Assets

5.35%-313 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.52%0.94%0.79%0.76%0.74%0.65%0.80%-5.18%-594 bps
Return on Equity6.97%12.43%9.56%8.92%8.60%7.42%8.82%-96.89%-10,581 bps
Net Interest Margin3.64%3.73%4.04%4.19%4.11%5.14%4.95%5.26%+107 bps
Efficiency Ratio89.15%85.24%88.83%88.82%88.66%75.92%74.90%169.81%+8,100 bps
Growth
Asset Growth (YoY)14.52%7.54%-4.75%-4.55%-4.41%-6.64%-0.35%-6.29%-174 bps
Loan Growth (YoY)2.02%6.23%11.21%10.83%16.17%15.44%12.06%11.85%+102 bps
Share Growth (YoY)15.09%7.57%-5.74%-5.33%-5.57%-7.86%-1.27%-7.15%-181 bps
Asset Quality
Delinquent Loans / Loans0.71%0.57%0.38%0.36%0.72%0.69%0.15%0.24%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.73%0.68%0.69%0.44%0.80%0.52%0.60%-9 bps
Capital
Risk-Based Capital7.50%7.57%8.28%8.48%8.58%8.75%9.06%5.35%-313 bps
Net Worth / Assets7.50%7.57%8.28%8.48%8.58%8.75%9.06%5.35%-313 bps
Liquidity & Funding
Loans / Shares63.66%64.45%73.92%75.75%78.32%80.75%83.91%91.25%+1,550 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps