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A.C. Jaacks

Calumet City, IL · Charter 66019

NCUA · 1 branch

Q3 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: Q3 2016, the quarter ended September 30, 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

A.C. Jaacks

Calumet City, IL · Charter 66019

NCUA · 1 branch

Q3 2016

$4.1MAssets
$939KLoans
$3.6MShares
$565KNet 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 -0.11%, down 34 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.27% of loans (+12 bps YoY).
  • Capital: net worth / assets of 13.69%, down 27 bps from a year ago.
  • Funding: loans stand at 26.34% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.11%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+24 bps YoY

Efficiency Ratio (YTD, annualized)

83.10%-857 bps YoY

Net Worth / Assets

13.69%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.23%0.49%0.32%6.49%-0.11%-34 bps
Return on Equity1.67%3.63%2.50%48.72%-0.80%-247 bps
Net Interest Margin2.83%2.74%2.79%8.97%3.06%+24 bps
Efficiency Ratio91.67%82.20%88.38%27.82%83.10%-857 bps
Growth
Asset Growth (YoY)2.80%7.58%9.62%-2.54%3.56%+75 bps
Loan Growth (YoY)-14.48%-10.03%-1.95%-0.57%-1.15%+1,332 bps
Share Growth (YoY)2.65%8.20%10.59%-3.36%3.89%+124 bps
Asset Quality
Delinquent Loans / Loans0.15%0.12%0.29%1.01%0.27%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.18%4.33%4.49%2.71%4.04%-13 bps
Capital
Risk-Based Capital13.96%13.49%12.99%13.31%13.69%-27 bps
Net Worth / Assets13.96%13.49%12.99%13.31%13.69%-27 bps
Liquidity & Funding
Loans / Shares27.69%25.56%24.09%25.54%26.34%-134 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps