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Thornton Township High Schools

South Holland, IL · Charter 65342

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Thornton Township High Schools

South Holland, IL · Charter 65342

Q2 2013

$9.1MAssets
$2.3MLoans
$7.5MShares
$1.6MNet 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 -0.66%, down 40 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 1.72% of loans (-399 bps YoY).
  • Capital: net worth / assets of 17.55%, up 86 bps from a year ago.
  • Funding: loans stand at 30.06% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.66%-40 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-29 bps YoY

Efficiency Ratio (YTD, annualized)

136.82%+2,683 bps YoY

Net Worth / Assets

17.55%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.26%-0.18%-0.27%-0.71%-0.66%-40 bps
Return on Equity-1.57%-1.05%-1.52%-3.91%-3.76%-220 bps
Net Interest Margin1.90%1.98%1.98%1.73%1.61%-29 bps
Efficiency Ratio110.00%105.16%108.92%136.10%136.82%+2,683 bps
Growth
Asset Growth (YoY)0.98%1.37%0.09%-3.75%-7.79%-877 bps
Loan Growth (YoY)-17.79%-15.78%-13.37%-13.37%-3.55%+1,424 bps
Share Growth (YoY)1.54%1.92%0.45%-3.71%-8.33%-986 bps
Asset Quality
Delinquent Loans / Loans5.71%6.10%1.69%2.61%1.72%-399 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.94%2.67%2.92%2.51%2.02%-92 bps
Capital
Risk-Based Capital16.68%17.60%17.95%18.11%17.55%+86 bps
Net Worth / Assets16.68%17.60%17.95%18.11%17.55%+86 bps
Liquidity & Funding
Loans / Shares28.57%31.46%30.08%29.30%30.06%+149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps