PackageTrendsPeer
Letter portraitLegal landscape

Self-Locking Employees

Morris, IL · Charter 65461

Q1 2009

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 2009, the quarter ended March 31, 2009, 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

Self-Locking Employees

Morris, IL · Charter 65461

Q1 2009

$311KAssets
$280KLoans
$260KShares
$49KNet 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 -23.69%, down 79 bps year over year; NIM at 10.30%.
  • Asset quality: problem loans at 5.53% of loans (-183 bps YoY).
  • Capital: net worth / assets of 15.60%, up 222 bps from a year ago.
  • Funding: loans stand at 107.41% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-23.69%-79 bps YoY

Net Interest Margin (YTD, annualized)

10.30%+387 bps YoY

Efficiency Ratio (YTD, annualized)

92.05%+393 bps YoY

Net Worth / Assets

15.60%+222 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-22.90%-11.47%-7.82%-6.86%-23.69%-79 bps
Return on Equity-171.17%-88.20%-61.91%-46.22%-151.89%+1,928 bps
Net Interest Margin6.43%5.68%5.28%6.31%10.30%+387 bps
Efficiency Ratio88.12%93.55%97.47%97.49%92.05%+393 bps
Growth
Asset Growth (YoY)-12.37%-16.71%-11.89%-11.76%-39.82%-2,745 bps
Loan Growth (YoY)-6.51%-13.98%2.40%-1.82%-12.78%-628 bps
Share Growth (YoY)-9.83%-14.71%-8.38%-9.66%-41.63%-3,181 bps
Asset Quality
Delinquent Loans / Loans7.36%4.75%0.00%6.81%5.53%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.44%1.48%0.75%1.90%+66 bps
Capital
Risk-Based Capital13.38%13.00%12.63%14.84%15.60%+222 bps
Net Worth / Assets13.38%13.00%12.63%14.84%15.60%+222 bps
Liquidity & Funding
Loans / Shares71.88%69.06%75.41%89.23%107.41%+3,553 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps