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Meadows

Arlington Hgts, IL · Charter 61639

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Meadows

Arlington Hgts, IL · Charter 61639

NCUA · 1 branch

Q3 2017

$117.8MAssets
$79.0MLoans
$109.3MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, down 17 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.54% of loans (-31 bps YoY).
  • Capital: net worth / assets of 6.66%, up 22 bps from a year ago.
  • Funding: loans stand at 72.32% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

0.29%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+20 bps YoY

Efficiency Ratio (YTD, annualized)

90.20%+309 bps YoY

Net Worth / Assets

6.66%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.63%0.45%0.46%0.46%0.46%0.40%0.41%0.29%-17 bps
Return on Equity10.10%7.19%7.34%7.09%7.14%6.39%6.39%4.32%-277 bps
Net Interest Margin2.89%2.93%2.88%2.95%2.91%2.94%2.96%3.15%+20 bps
Efficiency Ratio82.11%88.58%87.02%87.11%87.12%89.96%88.19%90.20%+309 bps
Growth
Asset Growth (YoY)4.14%1.40%5.72%8.50%5.38%7.32%5.23%1.82%-669 bps
Loan Growth (YoY)-4.22%-2.22%2.02%5.92%6.45%6.51%7.86%7.04%+111 bps
Share Growth (YoY)3.79%1.01%5.72%8.58%4.87%6.98%4.63%1.23%-735 bps
Asset Quality
Delinquent Loans / Loans0.93%1.07%0.78%0.85%1.04%1.00%0.99%0.54%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.03%0.98%0.92%0.88%0.87%0.84%0.81%0.62%-27 bps
Capital
Risk-Based Capital6.28%6.28%6.23%6.44%6.42%6.29%6.35%6.66%+22 bps
Net Worth / Assets6.28%6.28%6.23%6.44%6.42%6.29%6.35%6.66%+22 bps
Liquidity & Funding
Loans / Shares66.83%65.80%65.36%68.40%67.83%65.51%67.38%72.32%+392 bps
Liquid Assets / Assets98.47%0.00%0.00%0.00%98.17%0.00%0.00%0.00%0 bps