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C. T. Employees

Fairmont City, IL · Charter 64460

NCUA · 1 branch

Q2 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: Q2 2021, the quarter ended June 30, 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

C. T. Employees

Fairmont City, IL · Charter 64460

NCUA · 1 branch

Q2 2021

$2.4MAssets
$745KLoans
$2.1MShares
$289KNet Worth

Executive Summary

  • Earnings: ROA of -1.95%, down 139 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.38% of loans (-148 bps YoY).
  • Capital: net worth / assets of 12.17%, down 365 bps from a year ago.
  • Funding: loans stand at 35.80% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-1.95%-139 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-228 bps YoY

Efficiency Ratio (YTD, annualized)

141.53%+4,038 bps YoY

Net Worth / Assets

12.17%-365 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.94%0.60%0.33%-0.56%-0.98%-1.24%-1.77%-1.95%-139 bps
Return on Equity5.75%3.65%1.88%-3.53%-6.33%-8.65%-13.97%-16.02%-1,249 bps
Net Interest Margin5.68%5.56%6.01%5.19%4.77%4.36%2.93%2.91%-228 bps
Efficiency Ratio88.22%92.46%95.99%101.15%109.75%116.26%141.57%141.53%+4,038 bps
Growth
Asset Growth (YoY)11.43%11.64%-0.64%2.88%0.71%5.34%22.35%12.75%+987 bps
Loan Growth (YoY)5.02%4.03%-0.64%-18.17%-25.57%-28.73%-30.54%-11.15%+702 bps
Share Growth (YoY)12.94%13.42%-1.21%3.60%1.87%7.95%29.58%17.77%+1,417 bps
Asset Quality
Delinquent Loans / Loans1.59%1.85%1.75%1.86%1.53%2.07%0.00%0.38%-148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.35%1.39%1.48%1.69%1.49%1.63%1.74%1.66%-3 bps
Capital
Risk-Based Capital16.41%16.35%17.49%15.82%15.45%14.29%12.65%12.17%-365 bps
Net Worth / Assets16.41%16.35%17.49%15.82%15.45%14.29%12.65%12.17%-365 bps
Liquidity & Funding
Loans / Shares60.68%60.05%63.35%47.46%44.33%39.64%33.96%35.80%-1,165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps