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Southwest Chicago Chapter

Chicago, IL · Charter 62648

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

Southwest Chicago Chapter

Chicago, IL · Charter 62648

Q4 2012

$12.1MAssets
$3.7MLoans
$7.5MShares
$1.8MNet 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 -3.31%, down 609 bps year over year; NIM at 1.22%.
  • Asset quality: problem loans at 1.02% of loans (-117 bps YoY).
  • Capital: net worth / assets of 15.18%, up 280 bps from a year ago.
  • Funding: loans stand at 49.49% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-3.31%-609 bps YoY

Net Interest Margin (YTD, annualized)

1.22%-372 bps YoY

Efficiency Ratio (YTD, annualized)

177.19%+12,241 bps YoY

Net Worth / Assets

15.18%+280 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets2.77%3.34%2.27%1.45%-3.31%-609 bps
Return on Equity22.42%23.70%14.67%9.65%-21.81%-4,424 bps
Net Interest Margin4.94%4.91%4.06%3.23%1.22%-372 bps
Efficiency Ratio54.78%40.45%52.88%63.41%177.19%+12,241 bps
Growth
Asset Growth (YoY)10.49%-6.28%-19.05%-18.31%-33.07%-4,356 bps
Loan Growth (YoY)25.30%-14.96%-72.75%-73.10%-73.28%-9,858 bps
Share Growth (YoY)6.10%-14.87%-27.41%-33.55%-49.13%-5,523 bps
Asset Quality
Delinquent Loans / Loans2.19%1.62%3.64%3.66%1.02%-117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.27%0.60%0.61%0.98%+79 bps
Capital
Risk-Based Capital12.37%14.08%15.48%15.02%15.18%+280 bps
Net Worth / Assets12.37%14.08%15.48%15.02%15.18%+280 bps
Liquidity & Funding
Loans / Shares94.22%76.07%36.17%38.46%49.49%-4,474 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps