PackageTrendsPeer
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Stockton Employees

Stockton, IL · Charter 65919

Q3 2004

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 2004, the quarter ended September 30, 2004, 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

Stockton Employees

Stockton, IL · Charter 65919

Q3 2004

$789KAssets
$466KLoans
$662KShares
$126KNet 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 -3.77%, down 812 bps year over year; NIM at 6.52%.
  • Asset quality: problem loans at 12.21% of loans (+670 bps YoY).
  • Capital: net worth / assets of 15.94%, down 141 bps from a year ago.
  • Funding: loans stand at 70.38% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-3.77%-812 bps YoY

Net Interest Margin (YTD, annualized)

6.52%-187 bps YoY

Efficiency Ratio (YTD, annualized)

95.87%+4,427 bps YoY

Net Worth / Assets

15.94%-141 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets4.36%3.63%-2.10%-6.62%-3.77%-812 bps
Return on Equity25.11%19.61%-11.52%-39.05%-23.64%-4,875 bps
Net Interest Margin8.39%8.17%7.51%7.50%6.52%-187 bps
Efficiency Ratio51.60%52.51%101.96%100.66%95.87%+4,427 bps
Growth
Asset Growth (YoY)-12.37%-4.76%-17.28%-19.73%-3.64%+873 bps
Loan Growth (YoY)-23.46%-25.37%-26.60%-24.42%-27.98%-452 bps
Share Growth (YoY)-15.43%1.01%-15.88%-21.52%-1.81%+1,361 bps
Asset Quality
Delinquent Loans / Loans5.51%6.84%10.14%11.20%12.21%+670 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.59%4.57%5.09%9.12%7.40%+380 bps
Capital
Risk-Based Capital17.35%18.50%18.19%16.95%15.94%-141 bps
Net Worth / Assets17.35%18.50%18.19%16.95%15.94%-141 bps
Liquidity & Funding
Loans / Shares95.94%94.89%85.54%87.32%70.38%-2,556 bps
Liquid Assets / Assets21.74%24.38%31.11%30.25%41.90%+2,016 bps