PackageTrendsPeer
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Elgin Mental Health Center

Elgin, IL · Charter 62007

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Elgin Mental Health Center

Elgin, IL · Charter 62007

NCUA · 1 branch

Q3 2018

$4.9MAssets
$1.2MLoans
$4.1MShares
$762KNet 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 17 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.26% of loans (+21 bps YoY).
  • Capital: net worth / assets of 15.53%, up 127 bps from a year ago.
  • Funding: loans stand at 29.58% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.10%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+54 bps YoY

Efficiency Ratio (YTD, annualized)

87.48%-220 bps YoY

Net Worth / Assets

15.53%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.27%-0.03%0.05%-0.45%0.10%-17 bps
Return on Equity1.87%-0.23%0.39%-3.17%0.65%-123 bps
Net Interest Margin3.66%3.72%3.76%3.89%4.20%+54 bps
Efficiency Ratio89.68%94.20%90.63%93.26%87.48%-220 bps
Growth
Asset Growth (YoY)-0.84%-0.96%-1.86%-3.56%-9.26%-841 bps
Loan Growth (YoY)-13.66%-13.76%-6.54%0.27%-9.22%+444 bps
Share Growth (YoY)-1.26%-1.19%-2.04%-3.67%-10.56%-930 bps
Asset Quality
Delinquent Loans / Loans0.06%0.68%0.34%0.04%0.26%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.80%0.55%0.70%0.82%+27 bps
Capital
Risk-Based Capital14.26%14.13%13.87%14.26%15.53%+127 bps
Net Worth / Assets14.26%14.13%13.87%14.26%15.53%+127 bps
Liquidity & Funding
Loans / Shares29.15%28.50%27.41%29.22%29.58%+44 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps