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Chicago Central and Commerce

Waterloo, IA · Charter 62871

NCUA · 2 branches

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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 Central and Commerce

Waterloo, IA · Charter 62871

NCUA · 2 branches

Q1 2021

$7.4MAssets
$2.2MLoans
$5.9MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, up 35 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.95% of loans (-359 bps YoY).
  • Capital: net worth / assets of 19.74%, down 125 bps from a year ago.
  • Funding: loans stand at 36.86% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

0.77%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-55 bps YoY

Efficiency Ratio (YTD, annualized)

78.06%-1,182 bps YoY

Net Worth / Assets

19.74%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.26%0.45%0.00%0.42%0.28%0.17%0.00%0.77%+35 bps
Return on Equity1.26%2.06%0.00%2.02%1.38%0.83%0.00%3.90%+188 bps
Net Interest Margin3.81%3.96%4.03%3.83%3.60%3.64%3.58%3.28%-55 bps
Efficiency Ratio93.69%89.69%88.93%89.89%91.40%93.19%97.12%78.06%-1,182 bps
Growth
Asset Growth (YoY)-0.16%-0.76%-1.43%-0.98%3.99%3.64%8.98%6.82%+780 bps
Loan Growth (YoY)-5.84%-6.48%-3.93%-5.25%-6.81%-4.16%-8.65%-2.90%+235 bps
Share Growth (YoY)-0.10%-0.76%-1.75%-1.28%5.15%5.01%11.76%8.59%+987 bps
Asset Quality
Delinquent Loans / Loans6.04%2.92%2.52%4.54%0.99%3.96%1.92%0.95%-359 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.48%1.02%2.16%2.07%1.61%1.70%1.87%1.74%-33 bps
Capital
Risk-Based Capital20.95%21.72%21.84%20.99%20.16%20.76%20.04%19.74%-125 bps
Net Worth / Assets20.95%21.72%21.84%20.99%20.16%20.76%20.04%19.74%-125 bps
Liquidity & Funding
Loans / Shares43.78%44.31%45.59%41.22%38.79%40.44%37.27%36.86%-436 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps