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Electrogas

Alton, IL · Charter 65794

NCUA · 1 branch

Q1 2021

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 2021, the quarter ended March 31, 2021, 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

Electrogas

Alton, IL · Charter 65794

NCUA · 1 branch

Q1 2021

$1.2MAssets
$508KLoans
$968KShares
$271KNet Worth

Executive Summary

  • Earnings: ROA of -2.51%, down 54 bps year over year; NIM at -0.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.87%, down 353 bps from a year ago.
  • Funding: loans stand at 52.52% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

-2.51%-54 bps YoY

Net Interest Margin (YTD, annualized)

-0.11%-172 bps YoY

Efficiency Ratio (YTD, annualized)

354%+13,120 bps YoY

Net Worth / Assets

21.87%-353 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-1.18%-1.21%-1.34%-1.98%-1.49%-1.47%-1.96%-2.51%-54 bps
Return on Equity-4.28%-4.43%-5.00%-7.78%-6.12%-6.04%-8.44%-11.49%-371 bps
Net Interest Margin1.96%1.98%1.95%1.61%1.47%1.41%0.98%-0.11%-172 bps
Efficiency Ratio151.70%155.15%163.78%223%182.49%179.69%250%354%+13,120 bps
Growth
Asset Growth (YoY)6.15%3.78%1.78%0.81%6.30%5.14%6.66%6.14%+533 bps
Loan Growth (YoY)14.87%41.85%9.91%-2.86%-5.07%-26.00%-22.33%-18.62%-1,576 bps
Share Growth (YoY)10.97%7.38%4.41%3.12%10.83%9.27%11.97%11.17%+806 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.99%0.84%0.95%1.00%1.05%1.14%1.23%1.23%+23 bps
Capital
Risk-Based Capital27.52%27.26%26.85%25.40%24.44%24.41%23.22%21.87%-353 bps
Net Worth / Assets27.52%27.26%26.85%25.40%24.44%24.41%23.22%21.87%-353 bps
Liquidity & Funding
Loans / Shares76.76%90.52%79.47%71.75%65.74%61.30%55.13%52.52%-1,923 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps