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Electric Energy Inc. Employees

Metropolis, IL · Charter 65368

NCUA · 3 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Electric Energy Inc. Employees

Metropolis, IL · Charter 65368

NCUA · 3 branches

Q3 2017

$1.9MAssets
$1.3MLoans
$1.6MShares
$315KNet 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 -0.80%, down 17 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 3.08% of loans (+234 bps YoY).
  • Capital: net worth / assets of 16.55%, down 87 bps from a year ago.
  • Funding: loans stand at 83.76% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.80%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-150 bps YoY

Efficiency Ratio (YTD, annualized)

134.32%+2,655 bps YoY

Net Worth / Assets

16.55%-87 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.64%-1.81%-0.93%0.61%-0.80%-17 bps
Return on Equity-3.65%-10.70%-5.52%3.63%-4.85%-119 bps
Net Interest Margin5.36%5.38%5.20%4.82%3.86%-150 bps
Efficiency Ratio107.77%109.89%116.92%105.89%134.32%+2,655 bps
Growth
Asset Growth (YoY)-0.30%-0.72%-1.41%-4.31%-5.76%-547 bps
Loan Growth (YoY)6.07%10.81%-2.27%-2.74%1.67%-441 bps
Share Growth (YoY)1.07%0.49%-0.38%-3.72%-4.23%-530 bps
Asset Quality
Delinquent Loans / Loans0.74%0.08%0.08%2.58%3.08%+234 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%1.23%1.26%1.15%1.14%+22 bps
Capital
Risk-Based Capital17.42%16.88%16.78%16.93%16.55%-87 bps
Net Worth / Assets17.42%16.88%16.78%16.93%16.55%-87 bps
Liquidity & Funding
Loans / Shares78.91%80.75%76.72%80.29%83.76%+485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps