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Decatur Stanolind

Decatur, IL · Charter 65831

NCUA · 1 branch

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

Decatur Stanolind

Decatur, IL · Charter 65831

NCUA · 1 branch

Q3 2017

$2.6MAssets
$476KLoans
$2.0MShares
$595KNet 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 -3.01%, down 122 bps year over year; NIM at 1.27%.
  • Asset quality: problem loans at 5.47% of loans (+157 bps YoY).
  • Capital: net worth / assets of 22.98%, up 293 bps from a year ago.
  • Funding: loans stand at 23.91% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.01%-122 bps YoY

Net Interest Margin (YTD, annualized)

1.27%+4 bps YoY

Efficiency Ratio (YTD, annualized)

317%+10,040 bps YoY

Net Worth / Assets

22.98%+293 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.78%-2.07%-2.35%-3.45%-3.01%-122 bps
Return on Equity-8.89%-10.13%-11.40%-17.19%-13.09%-420 bps
Net Interest Margin1.23%1.30%1.33%1.15%1.27%+4 bps
Efficiency Ratio216%231%258%373%317%+10,040 bps
Growth
Asset Growth (YoY)-4.13%-7.84%-11.44%-12.01%-23.06%-1,893 bps
Loan Growth (YoY)-0.80%-3.00%-16.52%-22.87%-28.76%-2,796 bps
Share Growth (YoY)-2.72%-7.49%-12.15%-11.97%-25.83%-2,311 bps
Asset Quality
Delinquent Loans / Loans3.90%1.56%1.64%2.02%5.47%+157 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.39%4.42%5.01%5.67%6.26%+187 bps
Capital
Risk-Based Capital20.05%20.42%20.60%20.05%22.98%+293 bps
Net Worth / Assets20.05%20.42%20.60%20.05%22.98%+293 bps
Liquidity & Funding
Loans / Shares24.89%26.15%23.99%21.99%23.91%-98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps