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United Catholic

Granite City, IL · Charter 65366

Q1 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: Q1 2013, the quarter ended March 31, 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

United Catholic

Granite City, IL · Charter 65366

Q1 2013

$1.2MAssets
$808KLoans
$996KShares
$174KNet 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 -1.65%, down 51 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 2.86% of loans (+286 bps YoY).
  • Capital: net worth / assets of 14.86%, down 149 bps from a year ago.
  • Funding: loans stand at 81.18% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.65%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-58 bps YoY

Efficiency Ratio (YTD, annualized)

175.81%+3,538 bps YoY

Net Worth / Assets

14.86%-149 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-1.14%-1.01%-0.83%-0.79%-1.65%-51 bps
Return on Equity-6.95%-6.08%-5.19%-5.40%-11.08%-413 bps
Net Interest Margin2.72%2.95%2.87%2.68%2.14%-58 bps
Efficiency Ratio140.43%133.52%126.39%127.43%175.81%+3,538 bps
Growth
Asset Growth (YoY)-0.56%-2.48%-3.81%7.39%3.33%+389 bps
Loan Growth (YoY)8.81%0.82%2.38%-3.59%-1.25%-1,006 bps
Share Growth (YoY)0.53%-1.77%-3.48%9.83%5.37%+485 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%2.86%+286 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.27%0.26%0.27%0.27%0 bps
Capital
Risk-Based Capital16.35%16.62%15.97%14.68%14.86%-149 bps
Net Worth / Assets16.35%16.62%15.97%14.68%14.86%-149 bps
Liquidity & Funding
Loans / Shares86.63%86.69%89.19%78.59%81.18%-545 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps