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Bakelite Ottawa Plastics

Ottawa, IL · Charter 61471

NCUA · 2 branches

Q3 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: Q3 2021, the quarter ended September 30, 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

Bakelite Ottawa Plastics

Ottawa, IL · Charter 61471

NCUA · 2 branches

Q3 2021

$13.2MAssets
$2.6MLoans
$12.0MShares
$1.2MNet 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 -0.96%, down 49 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 0.84% of loans (-18 bps YoY).
  • Capital: net worth / assets of 8.84%, down 130 bps from a year ago.
  • Funding: loans stand at 21.92% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.96%-49 bps YoY

Net Interest Margin (YTD, annualized)

1.84%-82 bps YoY

Efficiency Ratio (YTD, annualized)

122.67%+2,408 bps YoY

Net Worth / Assets

8.84%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.47%-0.28%0.05%-0.20%-0.96%-49 bps
Return on Equity-4.62%-2.75%0.50%-2.15%-10.86%-624 bps
Net Interest Margin2.66%2.41%1.78%2.08%1.84%-82 bps
Efficiency Ratio98.59%97.40%98.65%101.46%122.67%+2,408 bps
Growth
Asset Growth (YoY)3.11%1.79%9.88%4.39%7.28%+417 bps
Loan Growth (YoY)-23.24%-27.91%-33.87%-35.69%-36.94%-1,370 bps
Share Growth (YoY)3.65%2.30%10.77%5.42%8.86%+521 bps
Asset Quality
Delinquent Loans / Loans1.02%0.64%0.62%0.96%0.84%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%1.47%1.30%1.62%0.70%-112 bps
Capital
Risk-Based Capital10.15%10.26%9.18%9.27%8.84%-130 bps
Net Worth / Assets10.15%10.26%9.18%9.27%8.84%-130 bps
Liquidity & Funding
Loans / Shares37.84%34.90%26.38%23.83%21.92%-1,592 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps