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Aurora Policemen

Aurora, IL · Charter 61352

Q4 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: Q4 2015, the quarter ended December 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

Aurora Policemen

Aurora, IL · Charter 61352

Q4 2015

$15.5MAssets
$3.0MLoans
$13.4MShares
$2.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, down 26 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.74%, down 92 bps from a year ago.
  • Funding: loans stand at 22.20% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

0.37%-26 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-15 bps YoY

Efficiency Ratio (YTD, annualized)

84.85%+709 bps YoY

Net Worth / Assets

13.74%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.24%0.50%0.59%0.63%0.48%0.41%0.43%0.37%-26 bps
Return on Equity1.64%3.31%3.94%4.28%3.43%2.79%3.00%2.71%-158 bps
Net Interest Margin1.97%2.01%1.99%1.95%1.81%1.88%1.87%1.79%-15 bps
Efficiency Ratio91.27%82.61%79.57%77.77%80.24%84.18%83.28%84.85%+709 bps
Growth
Asset Growth (YoY)7.45%6.79%8.50%14.92%11.63%8.83%8.49%9.68%-525 bps
Loan Growth (YoY)-2.42%-4.34%-7.24%-6.40%-10.14%-6.74%-5.01%-4.19%+222 bps
Share Growth (YoY)8.16%7.36%9.25%16.75%12.88%9.54%9.41%10.95%-581 bps
Asset Quality
Delinquent Loans / Loans0.16%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.59%0.61%0.62%0.65%0.63%0.64%0.65%+3 bps
Capital
Risk-Based Capital14.91%15.22%14.95%14.66%13.97%14.57%14.29%13.74%-92 bps
Net Worth / Assets14.91%15.22%14.95%14.66%13.97%14.57%14.29%13.74%-92 bps
Liquidity & Funding
Loans / Shares28.82%29.26%27.33%25.70%22.94%24.91%23.73%22.20%-351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps