PackageTrendsPeer
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Oak Lawn Community Church

Oak Lawn, IL · Charter 61478

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

Oak Lawn Community Church

Oak Lawn, IL · Charter 61478

Q2 2001

$1.2MAssets
$890KLoans
$1.0MShares
$146KNet 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 -1.72%, down 460 bps year over year; NIM at 5.77%.
  • Asset quality: problem loans at 0.52% of loans (-70 bps YoY).
  • Capital: net worth / assets of 12.65%.
  • Funding: loans stand at 88.06% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-1.72%-460 bps YoY

Net Interest Margin (YTD, annualized)

5.77%

Efficiency Ratio (YTD, annualized)

83.78%

Net Worth / Assets

12.65%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.88%0.64%0.98%0.33%-1.72%-460 bps
Return on Equityn/an/an/a2.44%-13.60%n/a
Net Interest Marginn/a5.03%6.02%5.55%5.77%n/a
Efficiency Ration/a85.77%82.28%88.06%83.78%n/a
Growth
Asset Growth (YoY)-7.84%-8.93%-18.37%-18.73%-17.36%-952 bps
Loan Growth (YoY)-4.13%0.70%3.73%11.99%8.33%+1,246 bps
Share Growth (YoY)-9.79%-10.72%-21.68%-21.52%-19.17%-939 bps
Asset Quality
Delinquent Loans / Loans1.22%1.15%3.62%2.38%0.52%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.22%1.47%1.35%0.64%0.92%-30 bps
Capital
Risk-Based Capitaln/an/an/a13.46%12.65%n/a
Net Worth / Assetsn/an/an/a13.46%12.65%n/a
Liquidity & Funding
Loans / Shares65.70%78.73%91.57%95.34%88.06%+2,236 bps
Liquid Assets / Assets36.18%27.46%13.05%14.85%19.43%-1,675 bps