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Triangle

Palos Heights, IL · Charter 61207

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Triangle

Palos Heights, IL · Charter 61207

Q1 2015

$14.9MAssets
$1.2MLoans
$13.1MShares
$1.8MNet 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 -0.04%, down 25 bps year over year; NIM at 1.03%.
  • Asset quality: problem loans at 0.18% of loans (+18 bps YoY).
  • Capital: net worth / assets of 12.19%, up 105 bps from a year ago.
  • Funding: loans stand at 9.41% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-25 bps YoY

Net Interest Margin (YTD, annualized)

1.03%-2 bps YoY

Efficiency Ratio (YTD, annualized)

103.70%+2,520 bps YoY

Net Worth / Assets

12.19%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.22%0.28%0.33%0.27%-0.04%-25 bps
Return on Equity1.94%2.36%2.66%2.16%-0.32%-225 bps
Net Interest Margin1.05%1.07%1.11%1.06%1.03%-2 bps
Efficiency Ratio78.51%73.67%70.04%75.11%103.70%+2,520 bps
Growth
Asset Growth (YoY)-8.75%-13.21%-12.24%-8.44%-7.09%+166 bps
Loan Growth (YoY)0.04%4.32%6.66%6.77%8.22%+818 bps
Share Growth (YoY)-9.89%-14.82%-13.63%-9.71%-8.06%+182 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.01%0.00%0.18%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.71%0.66%0.65%0.60%-14 bps
Capital
Risk-Based Capital11.13%11.91%12.55%12.33%12.19%+105 bps
Net Worth / Assets11.13%11.91%12.55%12.33%12.19%+105 bps
Liquidity & Funding
Loans / Shares8.00%8.87%9.93%9.87%9.41%+142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps