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Champaign County School Employees

Champaign, IL · Charter 61497

NCUA · 1 branch

Q2 2022

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 2022, the quarter ended June 30, 2022, 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 2026-10-10

Champaign County School Employees

Champaign, IL · Charter 61497

NCUA · 1 branch

Q2 2022

$16.2MAssets
$4.1MLoans
$14.9MShares
$1.3MNet 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 0.09%, down 96 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.08% of loans (-78 bps YoY).
  • Capital: net worth / assets of 8.02%, up 3 bps from a year ago.
  • Funding: loans stand at 27.72% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.09%-96 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+3 bps YoY

Efficiency Ratio (YTD, annualized)

91.47%+3,232 bps YoY

Net Worth / Assets

8.02%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.05%-0.14%-0.45%-0.35%0.09%-96 bps
Return on Equity13.13%-1.64%-5.61%-4.51%1.16%-1,197 bps
Net Interest Margin2.14%2.17%2.15%1.94%2.17%+3 bps
Efficiency Ratio59.14%102.78%106.42%104.93%91.47%+3,232 bps
Growth
Asset Growth (YoY)11.94%8.26%2.86%0.43%-3.83%-1,577 bps
Loan Growth (YoY)18.72%-5.37%-14.32%-14.23%-34.98%-5,370 bps
Share Growth (YoY)12.44%9.22%3.70%1.01%-3.17%-1,561 bps
Asset Quality
Delinquent Loans / Loans0.85%1.56%2.41%1.05%0.08%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%1.08%1.79%0.86%0.71%+8 bps
Capital
Risk-Based Capital8.00%8.36%8.01%7.71%8.02%+3 bps
Net Worth / Assets8.00%8.36%8.01%7.71%8.02%+3 bps
Liquidity & Funding
Loans / Shares41.28%33.63%31.30%29.49%27.72%-1,356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps