PackageTrendsPeer
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Preferred Service

Palatine, IL · Charter 65956

Q3 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: Q3 2015, the quarter ended September 30, 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

Preferred Service

Palatine, IL · Charter 65956

Q3 2015

$182.6MAssets
$76.7MLoans
$163.4MShares
$18.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, up 1 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.17% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.91%, down 1 bps from a year ago.
  • Funding: loans stand at 46.92% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.47%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-9 bps YoY

Efficiency Ratio (YTD, annualized)

83.94%+85 bps YoY

Net Worth / Assets

9.91%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.40%0.39%0.44%0.46%0.47%0.27%0.29%0.47%+1 bps
Return on Equity4.16%4.09%4.66%4.63%4.83%2.78%3.08%4.71%+7 bps
Net Interest Margin2.40%2.32%2.28%2.38%2.32%2.25%2.21%2.29%-9 bps
Efficiency Ratio83.76%84.94%83.64%83.09%82.30%85.64%85.25%83.94%+85 bps
Growth
Asset Growth (YoY)7.86%6.91%3.44%3.47%3.32%3.25%4.50%5.27%+180 bps
Loan Growth (YoY)0.66%1.61%-1.10%-0.12%0.03%-0.96%-2.08%-3.96%-384 bps
Share Growth (YoY)8.49%7.38%3.27%3.41%3.03%2.94%4.41%5.06%+165 bps
Asset Quality
Delinquent Loans / Loans0.69%0.57%0.62%0.24%0.28%0.28%0.23%0.17%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.99%0.89%0.88%0.83%0.84%0.84%0.77%0.57%-25 bps
Capital
Risk-Based Capital9.64%9.48%9.45%9.93%9.80%9.62%9.43%9.91%-1 bps
Net Worth / Assets9.64%9.48%9.45%9.93%9.80%9.62%9.43%9.91%-1 bps
Liquidity & Funding
Loans / Shares51.27%49.56%48.86%51.32%49.78%47.68%45.82%46.92%-441 bps
Liquid Assets / Assets0.00%0.00%99.09%0.00%0.00%0.00%0.00%0.00%0 bps