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Chicago Local 458-3-M

Chicago, IL · Charter 62680

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Chicago Local 458-3-M

Chicago, IL · Charter 62680

Q3 2006

$695KAssets
$376KLoans
$487KShares
$136KNet 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 -8.34%, down 783 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 48.85% of loans (+2,167 bps YoY).
  • Capital: net worth / assets of 19.53%, up 330 bps from a year ago.
  • Funding: loans stand at 77.28% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-8.34%-783 bps YoY

Net Interest Margin (YTD, annualized)

4.19%-132 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

19.53%+330 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.52%-0.13%2.48%-11.43%-8.34%-783 bps
Return on Equity-3.19%-0.70%13.02%-73.09%-42.73%-3,953 bps
Net Interest Margin5.50%5.85%2.48%4.13%4.19%-132 bps
Efficiency Ratio108.87%102.07%0.00%n/an/an/a
Growth
Asset Growth (YoY)-16.49%-22.18%-17.75%-28.44%-37.13%-2,064 bps
Loan Growth (YoY)4.64%-3.42%-11.45%2.51%-8.98%-1,361 bps
Share Growth (YoY)-20.38%-23.00%-14.86%-39.05%-39.88%-1,950 bps
Asset Quality
Delinquent Loans / Loans27.18%20.70%49.26%48.29%48.85%+2,167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.14%2.17%2.53%2.37%2.55%+41 bps
Capital
Risk-Based Capital16.23%18.51%19.07%15.64%19.53%+330 bps
Net Worth / Assets16.23%18.51%19.07%15.64%19.53%+330 bps
Liquidity & Funding
Loans / Shares51.05%53.99%47.50%74.15%77.28%+2,623 bps
Liquid Assets / Assets58.93%2.13%8.36%0.00%0.00%-5,893 bps