PackageTrendsPeer
Letter portraitLegal landscape

Champaign Municipal Employees

Champaign, IL · Charter 66812

NCUA · 1 branch

Q4 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: Q4 2016, the quarter ended December 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

Champaign Municipal Employees

Champaign, IL · Charter 66812

NCUA · 1 branch

Q4 2016

$4.2MAssets
$3.6MLoans
$3.8MShares
$331KNet 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 -3.63%, down 335 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 1.76% of loans (+16 bps YoY).
  • Capital: net worth / assets of 7.79%, down 298 bps from a year ago.
  • Funding: loans stand at 95.70% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-3.63%-335 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+7 bps YoY

Efficiency Ratio (YTD, annualized)

177.75%+7,091 bps YoY

Net Worth / Assets

7.79%-298 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.28%-0.45%-0.51%-0.35%-3.63%-335 bps
Return on Equity-2.63%-4.29%-5.04%-3.43%-46.66%-4,403 bps
Net Interest Margin3.92%3.63%3.65%3.70%3.99%+7 bps
Efficiency Ratio106.84%111.48%113.30%109.08%177.75%+7,091 bps
Growth
Asset Growth (YoY)-4.10%-5.60%3.17%4.25%-5.70%-160 bps
Loan Growth (YoY)3.70%-3.44%-0.32%-2.12%2.50%-120 bps
Share Growth (YoY)-4.34%-5.87%4.04%5.34%-5.17%-83 bps
Asset Quality
Delinquent Loans / Loans1.59%0.51%0.84%0.65%1.76%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%1.02%1.01%0.73%1.14%+14 bps
Capital
Risk-Based Capital10.76%10.39%10.18%10.32%7.79%-298 bps
Net Worth / Assets10.76%10.39%10.18%10.32%7.79%-298 bps
Liquidity & Funding
Loans / Shares88.54%84.25%84.86%85.94%95.70%+716 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps