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Waukegan Municipal Employees

Waukegan, IL · Charter 66016

NCUA · 2 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Waukegan Municipal Employees

Waukegan, IL · Charter 66016

NCUA · 2 branches

Q3 2019

$1.2MAssets
$1.0MLoans
$1.0MShares
$157KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 82 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.13%, down 9 bps from a year ago.
  • Funding: loans stand at 100.02% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

0.01%-82 bps YoY

Net Interest Margin (YTD, annualized)

4.15%-38 bps YoY

Efficiency Ratio (YTD, annualized)

99.83%+1,777 bps YoY

Net Worth / Assets

13.13%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.35%1.47%0.88%0.82%0.00%0.29%0.02%0.01%-82 bps
Return on Equity-2.42%10.39%7.20%6.23%0.02%2.55%0.14%0.05%-618 bps
Net Interest Margin5.04%5.47%4.18%4.53%3.96%3.63%3.93%4.15%-38 bps
Efficiency Ratio106.87%73.54%79.13%82.06%99.95%92.11%99.56%99.83%+1,777 bps
Growth
Asset Growth (YoY)-21.83%-21.78%3.80%11.89%26.97%21.88%-7.34%-3.46%-1,535 bps
Loan Growth (YoY)18.33%5.74%7.64%1.53%-3.93%4.37%-6.19%4.01%+247 bps
Share Growth (YoY)-24.81%-24.81%3.65%13.44%31.84%25.97%-7.70%-3.17%-1,661 bps
Asset Quality
Delinquent Loans / Loans0.21%0.00%0.00%0.00%0.00%0.43%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.57%0.31%0.41%0.53%0.57%0.61%0.56%+16 bps
Capital
Risk-Based Capital14.62%14.11%12.26%13.23%11.51%11.41%12.83%13.13%-9 bps
Net Worth / Assets14.62%14.11%12.26%13.23%11.51%11.41%12.83%13.13%-9 bps
Liquidity & Funding
Loans / Shares108.08%95.87%87.56%93.12%78.76%79.44%89.00%100.02%+690 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps