PackageTrendsPeer
Letter portraitLegal landscape

Chicago Sun-Times Employees

Chicago, IL · Charter 65632

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

Chicago Sun-Times Employees

Chicago, IL · Charter 65632

Q3 2007

$2.4MAssets
$1.1MLoans
$1.8MShares
$618KNet 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 -0.90%, down 86 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.89% of loans (+89 bps YoY).
  • Capital: net worth / assets of 25.53%, up 185 bps from a year ago.
  • Funding: loans stand at 60.23% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.90%-86 bps YoY

Net Interest Margin (YTD, annualized)

4.64%-80 bps YoY

Efficiency Ratio (YTD, annualized)

118.11%+2,226 bps YoY

Net Worth / Assets

25.53%+185 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.03%-0.90%-1.01%-0.92%-0.90%-86 bps
Return on Equity-0.13%-3.75%-4.27%-3.80%-3.51%-338 bps
Net Interest Margin5.44%5.35%4.56%4.53%4.64%-80 bps
Efficiency Ratio95.85%112.33%121.06%119.42%118.11%+2,226 bps
Growth
Asset Growth (YoY)-16.59%-17.72%-14.27%-10.89%-10.50%+609 bps
Loan Growth (YoY)-7.80%-3.89%-14.56%-23.78%-20.52%-1,272 bps
Share Growth (YoY)-20.20%-21.39%-16.95%-12.80%-11.95%+825 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.24%0.19%0.89%+89 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%1.10%1.48%1.07%1.08%+2 bps
Capital
Risk-Based Capital23.69%23.91%23.55%24.22%25.53%+185 bps
Net Worth / Assets23.69%23.91%23.55%24.22%25.53%+185 bps
Liquidity & Funding
Loans / Shares66.72%68.05%60.66%57.17%60.23%-649 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps