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Unit 10

Caseyville, IL · Charter 68489

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Unit 10

Caseyville, IL · Charter 68489

Q3 2006

$4.5MAssets
$2.3MLoans
$4.1MShares
$401KNet 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 0.81%, up 285 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 2.46% of loans (+82 bps YoY).
  • Capital: net worth / assets of 8.83%, up 48 bps from a year ago.
  • Funding: loans stand at 55.12% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.81%+285 bps YoY

Net Interest Margin (YTD, annualized)

5.40%+115 bps YoY

Efficiency Ratio (YTD, annualized)

88.05%-1,453 bps YoY

Net Worth / Assets

8.83%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-2.04%-3.40%0.84%0.77%0.81%+285 bps
Return on Equity-24.41%-49.49%12.30%10.04%9.15%+3,356 bps
Net Interest Margin4.25%4.07%4.55%5.02%5.40%+115 bps
Efficiency Ratio102.58%110.46%84.23%87.16%88.05%-1,453 bps
Growth
Asset Growth (YoY)-5.44%-12.57%-10.56%-18.06%-19.83%-1,439 bps
Loan Growth (YoY)-17.85%-19.52%-21.59%-18.40%-16.80%+105 bps
Share Growth (YoY)-4.26%-10.63%-9.35%-17.73%-20.65%-1,638 bps
Asset Quality
Delinquent Loans / Loans1.64%0.28%0.54%2.58%2.46%+82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.70%2.94%3.27%3.54%3.23%+153 bps
Capital
Risk-Based Capital8.36%6.86%6.80%7.63%8.83%+48 bps
Net Worth / Assets8.36%6.86%6.80%7.63%8.83%+48 bps
Liquidity & Funding
Loans / Shares52.57%50.71%45.35%49.60%55.12%+255 bps
Liquid Assets / Assets42.03%43.56%145.62%0.00%0.00%-4,203 bps