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Northeast Illinois

Highland Park, IL · Charter 68285

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Northeast Illinois

Highland Park, IL · Charter 68285

Q4 2002

$2.9MAssets
$1.4MLoans
$2.6MShares
$325KNet 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 -2.35%, down 227 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 2.12% of loans (+187 bps YoY).
  • Capital: net worth / assets of 11.21%, up 436 bps from a year ago.
  • Funding: loans stand at 54.24% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-2.35%-227 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-103 bps YoY

Efficiency Ratio (YTD, annualized)

139.43%+3,806 bps YoY

Net Worth / Assets

11.21%+436 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-0.08%-0.10%-3.13%-2.69%-2.35%-227 bps
Return on Equity-1.18%-1.40%-28.41%-24.03%-20.96%-1,978 bps
Net Interest Margin4.86%4.74%3.74%3.89%3.83%-103 bps
Efficiency Ratio101.37%100.15%152.60%143.09%139.43%+3,806 bps
Growth
Asset Growth (YoY)-2.47%-7.43%-48.19%-45.97%-49.91%-4,743 bps
Loan Growth (YoY)-20.93%-31.68%-61.11%-61.43%-58.74%-3,781 bps
Share Growth (YoY)-1.63%-7.07%-50.20%-48.37%-52.33%-5,070 bps
Asset Quality
Delinquent Loans / Loans0.25%0.67%0.34%0.68%2.12%+187 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.56%0.60%0.63%0.73%+7 bps
Capital
Risk-Based Capital6.85%7.22%11.01%11.21%11.21%+436 bps
Net Worth / Assets6.85%7.22%11.01%11.21%11.21%+436 bps
Liquidity & Funding
Loans / Shares62.68%61.36%61.28%61.21%54.24%-844 bps
Liquid Assets / Assets36.19%37.97%35.23%35.28%41.67%+548 bps