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Electrical Workers

Collinsville, IL · Charter 65962

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Electrical Workers

Collinsville, IL · Charter 65962

NCUA

Q1 2016

$2.2MAssets
$1.1MLoans
$2.0MShares
$196KNet 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 -1.52%, down 83 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.29% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.73%, up 18 bps from a year ago.
  • Funding: loans stand at 53.18% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.52%-83 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+45 bps YoY

Efficiency Ratio (YTD, annualized)

163.24%+2,736 bps YoY

Net Worth / Assets

8.73%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.69%-0.75%-0.80%-0.80%-1.52%-83 bps
Return on Equity-8.03%-8.84%-9.71%-10.10%-17.41%-938 bps
Net Interest Margin1.92%1.80%1.81%1.82%2.36%+45 bps
Efficiency Ratio135.88%141.37%144.11%143.80%163.24%+2,736 bps
Growth
Asset Growth (YoY)0.28%-0.93%-2.07%0.17%-13.09%-1,337 bps
Loan Growth (YoY)44.35%20.51%29.99%31.03%31.62%-1,273 bps
Share Growth (YoY)1.33%-0.04%-1.35%1.08%-13.24%-1,458 bps
Asset Quality
Delinquent Loans / Loans0.30%0.22%0.00%0.35%0.29%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.25%2.51%1.74%1.80%1.74%-52 bps
Capital
Risk-Based Capital8.54%8.43%8.25%7.94%8.73%+18 bps
Net Worth / Assets8.54%8.43%8.25%7.94%8.73%+18 bps
Liquidity & Funding
Loans / Shares35.06%31.78%42.50%44.26%53.18%+1,813 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps