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Operating Engineers Local #148

Granite City, IL · Charter 63779

NCUA · 2 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Operating Engineers Local #148

Granite City, IL · Charter 63779

NCUA · 2 branches

Q3 2017

$16.3MAssets
$8.5MLoans
$13.5MShares
$2.8MNet 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 -0.25%, down 31 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 1.62% of loans (+74 bps YoY).
  • Capital: net worth / assets of 16.91%, up 45 bps from a year ago.
  • Funding: loans stand at 62.71% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.25%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.85%0 bps YoY

Efficiency Ratio (YTD, annualized)

91.86%-297 bps YoY

Net Worth / Assets

16.91%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.06%-0.23%-0.25%-0.02%-0.25%-31 bps
Return on Equity0.35%-1.40%-1.54%-0.09%-1.47%-182 bps
Net Interest Margin2.85%2.87%2.70%2.78%2.85%0 bps
Efficiency Ratio94.82%95.33%85.71%89.09%91.86%-297 bps
Growth
Asset Growth (YoY)-0.18%-0.35%-0.59%-7.09%-5.27%-510 bps
Loan Growth (YoY)0.35%4.49%0.40%-3.53%-1.59%-194 bps
Share Growth (YoY)-0.19%-0.13%-0.38%-8.09%-5.80%-561 bps
Asset Quality
Delinquent Loans / Loans0.89%1.52%2.51%1.99%1.62%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.14%0.72%0.97%0.74%0.84%+71 bps
Capital
Risk-Based Capital16.47%16.42%16.21%16.58%16.91%+45 bps
Net Worth / Assets16.47%16.42%16.21%16.58%16.91%+45 bps
Liquidity & Funding
Loans / Shares60.03%62.50%60.56%61.42%62.71%+268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps