PackageTrendsPeer
Letter portraitLegal landscape

S & C Employees

Chicago, IL · Charter 61842

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

S & C Employees

Chicago, IL · Charter 61842

Q2 2008

$8.9MAssets
$1.5MLoans
$7.5MShares
$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 0.10%, down 2 bps year over year; NIM at 1.44%.
  • Asset quality: problem loans at 0.72% of loans (+72 bps YoY).
  • Capital: net worth / assets of 14.63%, up 26 bps from a year ago.
  • Funding: loans stand at 19.56% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.10%-2 bps YoY

Net Interest Margin (YTD, annualized)

1.44%+9 bps YoY

Efficiency Ratio (YTD, annualized)

93.71%+192 bps YoY

Net Worth / Assets

14.63%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.13%0.18%0.32%0.35%0.10%-2 bps
Return on Equity0.88%1.17%2.00%2.28%0.71%-17 bps
Net Interest Margin1.35%1.41%1.63%1.80%1.44%+9 bps
Efficiency Ratio91.79%89.15%82.70%82.83%93.71%+192 bps
Growth
Asset Growth (YoY)-3.50%-4.07%-9.95%-2.71%0.17%+368 bps
Loan Growth (YoY)28.53%64.75%39.06%11.95%6.10%-2,243 bps
Share Growth (YoY)-4.13%-4.52%-11.51%-3.24%-0.67%+346 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.72%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.78%2.25%2.37%2.98%3.10%+32 bps
Capital
Risk-Based Capital14.38%15.00%15.96%15.27%14.63%+26 bps
Net Worth / Assets14.38%15.00%15.96%15.27%14.63%+26 bps
Liquidity & Funding
Loans / Shares18.31%25.45%27.40%21.04%19.56%+125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps