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School District 40 Employees

Moline, IL · Charter 60982

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

School District 40 Employees

Moline, IL · Charter 60982

Q2 2014

$15.4MAssets
$5.8MLoans
$13.9MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.11%, down 51 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.65%, up 37 bps from a year ago.
  • Funding: loans stand at 41.55% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-0.11%-51 bps YoY

Net Interest Margin (YTD, annualized)

1.80%-20 bps YoY

Efficiency Ratio (YTD, annualized)

100.63%+1,655 bps YoY

Net Worth / Assets

9.65%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.49%0.48%0.37%0.40%0.36%0.33%-0.27%-0.11%-51 bps
Return on Equity5.16%5.11%4.10%4.29%3.70%3.28%-2.87%-1.15%-545 bps
Net Interest Margin2.27%2.23%1.94%2.00%2.04%2.03%1.79%1.80%-20 bps
Efficiency Ratio81.38%81.59%84.78%84.08%86.20%87.24%100.12%100.63%+1,655 bps
Growth
Asset Growth (YoY)3.76%2.42%4.63%3.74%2.12%1.34%-1.28%-0.52%-426 bps
Loan Growth (YoY)-2.46%-5.35%4.08%7.20%3.10%2.72%0.01%-2.07%-927 bps
Share Growth (YoY)3.40%2.14%4.68%3.70%1.93%0.83%-1.90%-0.92%-463 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.00%0.00%0.13%0.00%0.20%0.08%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.42%1.35%1.35%1.35%1.33%0.64%0.59%0.54%-81 bps
Capital
Risk-Based Capital9.40%9.46%9.00%9.28%9.59%9.93%9.53%9.65%+37 bps
Net Worth / Assets9.40%9.46%9.00%9.28%9.59%9.93%9.53%9.65%+37 bps
Liquidity & Funding
Loans / Shares42.72%43.25%41.03%42.04%43.21%44.05%41.83%41.55%-49 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps