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Motorola Emp.

Schaumburg, IL · Charter 63799

NCUA · 8 branches

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Motorola Emp.

Schaumburg, IL · Charter 63799

NCUA · 8 branches

Q1 2020

$867.8MAssets
$615.2MLoans
$740.8MShares
$104.3MNet 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 -0.05%, down 143 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.91% of loans (+33 bps YoY).
  • Capital: net worth / assets of 12.01%, up 23 bps from a year ago.
  • Funding: loans stand at 83.04% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.05%-143 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-116 bps YoY

Efficiency Ratio (YTD, annualized)

93.38%+2,595 bps YoY

Net Worth / Assets

12.01%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.39%1.14%1.03%0.69%-0.05%-143 bps
Return on Equity11.77%9.53%8.17%5.64%-0.40%-1,217 bps
Net Interest Margin4.03%3.73%3.73%3.37%2.87%-116 bps
Efficiency Ratio67.42%70.81%73.16%78.86%93.38%+2,595 bps
Growth
Asset Growth (YoY)-1.17%0.55%-0.70%1.31%0.75%+191 bps
Loan Growth (YoY)-0.90%-2.19%-2.42%-4.90%-4.09%-319 bps
Share Growth (YoY)-1.82%0.31%-0.76%1.20%0.87%+269 bps
Asset Quality
Delinquent Loans / Loans0.58%0.95%1.05%1.00%0.91%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.08%0.95%1.01%0.90%-23 bps
Capital
Risk-Based Capital11.78%11.95%12.56%12.28%12.01%+23 bps
Net Worth / Assets11.78%11.95%12.56%12.28%12.01%+23 bps
Liquidity & Funding
Loans / Shares87.34%86.05%88.73%85.64%83.04%-430 bps
Liquid Assets / Assets98.22%0.00%0.00%99.59%0.00%-9,822 bps