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Oak Park Employees

Oak Park, IL · Charter 66024

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Oak Park Employees

Oak Park, IL · Charter 66024

Q3 2011

$6.2MAssets
$3.3MLoans
$5.5MShares
$630KNet 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 -2.25%, down 193 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 2.52% of loans (+34 bps YoY).
  • Capital: net worth / assets of 10.20%, down 221 bps from a year ago.
  • Funding: loans stand at 60.62% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.25%-193 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-43 bps YoY

Efficiency Ratio (YTD, annualized)

128.27%+2,483 bps YoY

Net Worth / Assets

10.20%-221 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.32%-0.97%-1.91%-1.58%-2.25%-193 bps
Return on Equity-2.60%-8.32%-16.32%-13.83%-22.05%-1,945 bps
Net Interest Margin4.67%4.68%4.46%4.39%4.24%-43 bps
Efficiency Ratio103.44%105.72%137.22%121.66%128.27%+2,483 bps
Growth
Asset Growth (YoY)-5.22%-4.76%-2.23%-1.37%0.66%+588 bps
Loan Growth (YoY)-6.45%-1.95%-11.52%-13.31%-18.19%-1,173 bps
Share Growth (YoY)-3.21%-3.45%-0.98%2.61%3.31%+652 bps
Asset Quality
Delinquent Loans / Loans2.18%2.34%2.80%2.91%2.52%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.87%2.15%2.35%2.26%2.79%+92 bps
Capital
Risk-Based Capital12.41%11.70%11.68%11.45%10.20%-221 bps
Net Worth / Assets12.41%11.70%11.68%11.45%10.20%-221 bps
Liquidity & Funding
Loans / Shares76.56%77.53%70.04%65.45%60.62%-1,593 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps