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Hinsdale Hospital

Hinsdale, IL · Charter 68036

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

Hinsdale Hospital

Hinsdale, IL · Charter 68036

NCUA · 1 branch

Q3 2016

$8.0MAssets
$2.9MLoans
$7.5MShares
$462KNet 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 -1.27%, down 18 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 2.14% of loans (-220 bps YoY).
  • Capital: net worth / assets of 5.76%, down 83 bps from a year ago.
  • Funding: loans stand at 38.35% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.27%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+2 bps YoY

Efficiency Ratio (YTD, annualized)

107.38%+3 bps YoY

Net Worth / Assets

5.76%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.09%-0.94%-0.15%-1.11%-1.27%-18 bps
Return on Equity-16.54%-14.34%-2.33%-19.59%-21.99%-545 bps
Net Interest Margin3.16%3.18%2.86%2.84%3.18%+2 bps
Efficiency Ratio107.36%102.13%110.14%111.67%107.38%+3 bps
Growth
Asset Growth (YoY)1.87%3.51%1.15%4.39%-3.43%-530 bps
Loan Growth (YoY)-20.12%-19.46%-18.71%-3.96%4.55%+2,468 bps
Share Growth (YoY)-0.19%2.09%1.88%6.13%-2.44%-225 bps
Asset Quality
Delinquent Loans / Loans4.34%4.09%3.77%3.18%2.14%-220 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.55%5.11%4.59%5.48%5.23%+68 bps
Capital
Risk-Based Capital6.60%6.52%6.36%5.66%5.76%-83 bps
Net Worth / Assets6.60%6.52%6.36%5.66%5.76%-83 bps
Liquidity & Funding
Loans / Shares35.79%34.68%32.24%34.44%38.35%+257 bps
Liquid Assets / Assets0.00%0.00%97.79%97.68%0.00%0 bps