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St. Clair County Teachers

East St Louis, IL · Charter 64866

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

St. Clair County Teachers

East St Louis, IL · Charter 64866

Q3 2003

$4.1MAssets
$2.3MLoans
$3.5MShares
$588KNet 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 -2.10%, down 139 bps year over year; NIM at 6.01%.
  • Asset quality: problem loans at 11.51% of loans (+187 bps YoY).
  • Capital: net worth / assets of 14.25%, down 191 bps from a year ago.
  • Funding: loans stand at 65.38% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-2.10%-139 bps YoY

Net Interest Margin (YTD, annualized)

6.01%-121 bps YoY

Efficiency Ratio (YTD, annualized)

101.76%+2,100 bps YoY

Net Worth / Assets

14.25%-191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-0.71%-0.79%-6.19%-3.48%-2.10%-139 bps
Return on Equity-4.41%-4.72%-43.25%-23.31%-14.73%-1,032 bps
Net Interest Margin7.21%7.24%6.68%6.24%6.01%-121 bps
Efficiency Ratio80.76%84.70%106.23%107.34%101.76%+2,100 bps
Growth
Asset Growth (YoY)0.08%-8.20%1.83%-3.80%-0.62%-70 bps
Loan Growth (YoY)-17.09%-13.97%-23.78%-19.04%-7.60%+949 bps
Share Growth (YoY)2.83%-6.71%5.18%-1.45%1.70%-113 bps
Asset Quality
Delinquent Loans / Loans9.64%11.96%11.78%12.07%11.51%+187 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.51%3.50%6.18%6.27%5.77%+226 bps
Capital
Risk-Based Capital16.16%16.65%14.30%14.91%14.25%-191 bps
Net Worth / Assets16.16%16.65%14.30%14.91%14.25%-191 bps
Liquidity & Funding
Loans / Shares71.97%72.11%62.21%60.57%65.38%-658 bps
Liquid Assets / Assets2.87%3.00%47.17%48.63%44.40%+4,152 bps