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Credit Union Plus

Rantoul, IL · Charter 61581

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

Credit Union Plus

Rantoul, IL · Charter 61581

Q2 2005

$12.0MAssets
$8.0MLoans
$10.3MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, down 19 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 1.31% of loans (+51 bps YoY).
  • Capital: net worth / assets of 13.17%, up 30 bps from a year ago.
  • Funding: loans stand at 78.22% of shares as of Q2 2005.

Return on Assets (YTD, annualized)

0.23%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+15 bps YoY

Efficiency Ratio (YTD, annualized)

88.49%+299 bps YoY

Net Worth / Assets

13.17%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.11%0.13%0.33%0.42%0.62%0.56%0.17%0.23%-19 bps
Return on Equity0.85%1.02%2.58%3.26%4.60%4.29%1.31%1.74%-151 bps
Net Interest Margin3.44%3.40%3.46%3.46%3.63%3.51%3.55%3.61%+15 bps
Efficiency Ratio93.23%92.65%85.81%85.50%83.41%84.87%90.99%88.49%+299 bps
Growth
Asset Growth (YoY)6.95%8.49%3.55%1.18%0.84%2.53%1.85%1.30%+12 bps
Loan Growth (YoY)1.20%4.21%3.37%5.15%11.31%9.19%9.24%9.75%+460 bps
Share Growth (YoY)8.04%9.82%3.98%1.19%0.74%2.14%1.21%0.73%-46 bps
Asset Quality
Delinquent Loans / Loans0.93%0.74%0.90%0.79%0.86%0.74%0.59%1.31%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.47%0.60%0.63%0.59%0.59%0.52%0.44%-19 bps
Capital
Risk-Based Capital13.03%12.80%12.79%12.87%13.44%13.05%13.08%13.17%+30 bps
Net Worth / Assets13.03%12.80%12.79%12.87%13.44%13.05%13.08%13.17%+30 bps
Liquidity & Funding
Loans / Shares69.12%69.57%69.81%71.79%76.38%74.37%75.35%78.22%+643 bps
Liquid Assets / Assets31.57%27.22%24.85%23.75%20.04%24.55%24.44%21.47%-229 bps