PackageTrendsPeer
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Panduit Employees

Tinley Park, IL · Charter 65654

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Panduit Employees

Tinley Park, IL · Charter 65654

Q1 2015

$8.3MAssets
$2.7MLoans
$7.1MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -2.01%, down 215 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY).
  • Capital: net worth / assets of 13.17%, up 45 bps from a year ago.
  • Funding: loans stand at 38.26% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

-2.01%-215 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+20 bps YoY

Efficiency Ratio (YTD, annualized)

173.04%+8,331 bps YoY

Net Worth / Assets

13.17%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-0.36%-0.17%-0.28%0.13%0.24%0.35%0.14%-2.01%-215 bps
Return on Equity-2.82%-1.35%-2.17%1.05%1.88%2.63%1.03%-15.28%-1,633 bps
Net Interest Margin2.13%2.16%2.25%2.16%2.20%2.25%2.34%2.36%+20 bps
Efficiency Ratio98.94%96.28%100.70%89.73%87.26%83.98%92.48%173.04%+8,331 bps
Growth
Asset Growth (YoY)-3.98%-0.90%-2.55%-0.99%-1.86%-2.86%-3.52%-6.23%-525 bps
Loan Growth (YoY)-2.51%2.82%14.58%11.64%19.70%24.83%7.88%6.03%-562 bps
Share Growth (YoY)-4.25%-0.70%-2.68%-0.94%-2.11%-3.44%-4.15%-7.01%-607 bps
Asset Quality
Delinquent Loans / Loans0.74%1.08%0.61%0.06%0.00%0.33%0.31%0.00%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.82%0.80%0.44%0.48%0.48%0.44%0.49%0.35%-13 bps
Capital
Risk-Based Capital12.62%12.78%13.08%12.72%12.88%13.27%13.69%13.17%+45 bps
Net Worth / Assets12.62%12.78%13.08%12.72%12.88%13.27%13.69%13.17%+45 bps
Liquidity & Funding
Loans / Shares28.05%29.08%35.50%33.56%34.30%37.59%39.95%38.26%+470 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps