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CSX Chicago Terminal

Riverdale, IL · Charter 81016

NCUA · 2 branches

Q3 2020

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 2020, the quarter ended September 30, 2020, 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

CSX Chicago Terminal

Riverdale, IL · Charter 81016

NCUA · 2 branches

Q3 2020

$3.7MAssets
$594KLoans
$2.4MShares
$1.3MNet 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 -2.40%, down 154 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 2.00% of loans (-541 bps YoY).
  • Capital: net worth / assets of 35.09%, up 88 bps from a year ago.
  • Funding: loans stand at 24.79% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-154 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-59 bps YoY

Efficiency Ratio (YTD, annualized)

164.89%+8,932 bps YoY

Net Worth / Assets

35.09%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets-0.86%-1.01%-0.24%-2.89%-2.40%-154 bps
Return on Equity-2.53%-2.82%-0.65%-8.39%-6.84%-432 bps
Net Interest Margin4.11%4.31%3.70%3.62%3.52%-59 bps
Efficiency Ratio75.57%80.84%106.11%176.67%164.89%+8,932 bps
Growth
Asset Growth (YoY)-13.31%-14.71%-14.06%-10.35%-8.10%+520 bps
Loan Growth (YoY)-16.13%-17.47%-21.64%-28.40%-30.28%-1,414 bps
Share Growth (YoY)-21.80%-20.21%-19.20%-12.57%-5.31%+1,649 bps
Asset Quality
Delinquent Loans / Loans7.41%7.04%5.25%2.69%2.00%-541 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.64%4.44%4.77%4.69%5.54%+190 bps
Capital
Risk-Based Capital34.21%35.64%36.24%34.46%35.09%+88 bps
Net Worth / Assets34.21%35.64%36.24%34.46%35.09%+88 bps
Liquidity & Funding
Loans / Shares33.67%32.90%31.49%25.47%24.79%-888 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps