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Vamco

Des Plaines, IL · Charter 62792

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Vamco

Des Plaines, IL · Charter 62792

Q3 2014

$14.0MAssets
$6.9MLoans
$11.6MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of -1.30%, down 23 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY).
  • Capital: net worth / assets of 16.38%, down 136 bps from a year ago.
  • Funding: loans stand at 59.49% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-1.30%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-22 bps YoY

Efficiency Ratio (YTD, annualized)

142.28%+1,281 bps YoY

Net Worth / Assets

16.38%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.98%-0.67%-0.88%-1.08%-1.23%-1.58%-1.37%-1.30%-23 bps
Return on Equity-5.26%-3.75%-5.01%-6.06%-7.04%-9.41%-8.41%-7.94%-188 bps
Net Interest Margin3.05%2.74%2.73%2.78%2.74%2.49%2.50%2.57%-22 bps
Efficiency Ratio121.87%116.56%122.98%129.47%135.35%150.13%145.80%142.28%+1,281 bps
Growth
Asset Growth (YoY)-0.03%-1.60%-1.62%-0.83%0.34%-1.95%-0.94%-0.15%+68 bps
Loan Growth (YoY)-2.10%-3.57%-6.95%-6.04%-9.80%-9.51%-8.33%-3.63%+241 bps
Share Growth (YoY)1.27%-0.87%-0.76%0.70%2.01%-0.36%0.84%1.11%+42 bps
Asset Quality
Delinquent Loans / Loans0.14%0.09%0.05%0.02%0.00%0.31%0.00%0.00%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.85%0.89%0.91%0.90%0.87%0.91%0.89%0.87%-3 bps
Capital
Risk-Based Capital18.71%17.86%17.61%17.75%17.42%16.78%16.34%16.38%-136 bps
Net Worth / Assets18.71%17.86%17.61%17.75%17.42%16.78%16.34%16.38%-136 bps
Liquidity & Funding
Loans / Shares67.25%63.54%61.49%62.41%59.46%57.70%55.90%59.49%-293 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps