PackageTrendsPeer
Letter portraitLegal landscape

First Financial

Skokie, IL · Charter 68450

NCUA · 6 branches

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

First Financial

Skokie, IL · Charter 68450

NCUA · 6 branches

Q1 2024

$221.7MAssets
$194.3MLoans
$156.7MShares
$15.4MNet Worth

Executive Summary

  • Earnings: ROA of -1.29%, down 141 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.81% of loans (+21 bps YoY).
  • Capital: net worth / assets of 6.94%, down 62 bps from a year ago.
  • Funding: loans stand at 124.02% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

-1.29%-141 bps YoY

Net Interest Margin (YTD, annualized)

2.18%-17 bps YoY

Efficiency Ratio (YTD, annualized)

124.86%+3,005 bps YoY

Net Worth / Assets

6.94%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.37%0.57%0.43%0.12%0.11%-0.13%-0.18%-1.29%-141 bps
Return on Equity4.01%6.35%5.71%1.65%1.55%-1.78%-2.48%-18.53%-2,018 bps
Net Interest Margin3.22%3.18%2.75%2.35%2.72%2.49%2.55%2.18%-17 bps
Efficiency Ratio82.92%77.42%78.54%94.80%83.81%87.42%85.37%124.86%+3,005 bps
Growth
Asset Growth (YoY)17.96%25.76%44.59%47.37%38.35%47.47%22.52%22.29%-2,508 bps
Loan Growth (YoY)17.50%35.51%72.60%70.97%62.60%56.65%26.15%27.04%-4,393 bps
Share Growth (YoY)8.47%20.13%30.05%56.22%47.00%35.55%17.39%-4.42%-6,064 bps
Asset Quality
Delinquent Loans / Loans0.55%0.41%0.54%0.60%1.34%0.88%0.70%0.81%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.01%0.85%0.68%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.21%9.00%7.58%7.56%7.23%7.41%7.29%6.94%-62 bps
Net Worth / Assets9.21%9.00%7.58%7.56%7.23%7.41%7.29%6.94%-62 bps
Liquidity & Funding
Loans / Shares92.94%98.64%111.36%93.31%102.80%114.00%119.68%124.02%+3,071 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps