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Nail Workers

Spring Valley, IL · Charter 61626

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Nail Workers

Spring Valley, IL · Charter 61626

Q2 2014

$481KAssets
$115KLoans
$405KShares
$103KNet 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 -2.05%, down 194 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 23.61% of loans (-451 bps YoY).
  • Capital: net worth / assets of 21.35%, up 140 bps from a year ago.
  • Funding: loans stand at 28.47% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-2.05%-194 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-170 bps YoY

Efficiency Ratio (YTD, annualized)

181.62%+7,873 bps YoY

Net Worth / Assets

21.35%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-0.12%-0.30%-3.35%-1.52%-2.05%-194 bps
Return on Equity-0.59%-1.49%-18.58%-7.05%-9.62%-903 bps
Net Interest Margin4.21%3.98%3.61%3.21%2.52%-170 bps
Efficiency Ratio102.89%107.67%195.08%147.37%181.62%+7,873 bps
Growth
Asset Growth (YoY)3.81%0.54%-4.87%-12.50%-10.19%-1,400 bps
Loan Growth (YoY)-28.13%-39.85%-47.58%-50.27%-40.05%-1,192 bps
Share Growth (YoY)5.33%1.14%-2.63%-8.58%-5.22%-1,055 bps
Asset Quality
Delinquent Loans / Loans28.12%31.16%27.37%38.86%23.61%-451 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.28%6.92%13.32%26.91%25.53%+2,025 bps
Capital
Risk-Based Capital19.95%20.05%18.05%21.60%21.35%+140 bps
Net Worth / Assets19.95%20.05%18.05%21.60%21.35%+140 bps
Liquidity & Funding
Loans / Shares45.00%36.25%30.96%27.55%28.47%-1,654 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps