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Imperial Employees

Niles, IL · Charter 62061

NCUA · 1 branch

Q4 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: Q4 2018, the quarter ended December 31, 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

Imperial Employees

Niles, IL · Charter 62061

NCUA · 1 branch

Q4 2018

$5.8MAssets
$3.9MLoans
$5.3MShares
$444KNet 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 -2.40%, down 156 bps year over year; NIM at 6.19%.
  • Asset quality: problem loans at 0.58% of loans (-181 bps YoY).
  • Capital: net worth / assets of 7.71%, up 44 bps from a year ago.
  • Funding: loans stand at 72.66% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-156 bps YoY

Net Interest Margin (YTD, annualized)

6.19%-57 bps YoY

Efficiency Ratio (YTD, annualized)

96.53%+3,512 bps YoY

Net Worth / Assets

7.71%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.84%0.01%-0.58%-1.69%-2.40%-156 bps
Return on Equity-11.62%0.19%-7.69%-23.74%-31.14%-1,952 bps
Net Interest Margin6.77%5.77%5.86%5.91%6.19%-57 bps
Efficiency Ratio61.41%70.12%71.54%80.90%96.53%+3,512 bps
Growth
Asset Growth (YoY)-8.41%-11.22%-11.80%-15.60%-20.87%-1,245 bps
Loan Growth (YoY)-16.06%-22.22%-27.72%-33.83%-38.76%-2,270 bps
Share Growth (YoY)-8.01%-11.07%-11.42%-15.36%-21.30%-1,329 bps
Asset Quality
Delinquent Loans / Loans2.39%1.37%0.53%0.81%0.58%-181 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.83%3.01%3.28%4.37%4.85%+101 bps
Capital
Risk-Based Capital7.27%7.34%7.55%7.13%7.71%+44 bps
Net Worth / Assets7.27%7.34%7.55%7.13%7.71%+44 bps
Liquidity & Funding
Loans / Shares93.37%87.13%82.09%76.25%72.66%-2,072 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps