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Bloom Township High School

Chicago Hgts, IL · Charter 64921

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

Bloom Township High School

Chicago Hgts, IL · Charter 64921

Q1 2014

$3.0MAssets
$1.5MLoans
$2.6MShares
$391KNet 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 0.39%, up 98 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 3.23% of loans (+67 bps YoY).
  • Capital: net worth / assets of 13.18%, up 138 bps from a year ago.
  • Funding: loans stand at 56.57% of shares as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

0.39%+98 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-63 bps YoY

Efficiency Ratio (YTD, annualized)

80.11%+880 bps YoY

Net Worth / Assets

13.18%+138 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-0.59%-0.16%0.13%0.16%0.39%+98 bps
Return on Equity-4.97%-1.29%1.05%1.25%2.99%+796 bps
Net Interest Margin2.96%2.76%2.72%2.78%2.33%-63 bps
Efficiency Ratio71.31%77.23%75.02%77.68%80.11%+880 bps
Growth
Asset Growth (YoY)5.97%1.99%0.21%-4.91%-7.55%-1,352 bps
Loan Growth (YoY)-4.62%-7.18%-13.14%-14.54%-11.13%-650 bps
Share Growth (YoY)7.83%3.10%0.96%-5.33%-8.65%-1,648 bps
Asset Quality
Delinquent Loans / Loans2.55%4.33%3.39%3.34%3.23%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.43%1.66%1.94%1.90%+58 bps
Capital
Risk-Based Capital11.79%12.15%12.23%12.94%13.18%+138 bps
Net Worth / Assets11.79%12.15%12.23%12.94%13.18%+138 bps
Liquidity & Funding
Loans / Shares58.15%59.50%54.64%57.75%56.57%-158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps