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Englewood

Bedford Park, IL · Charter 81094

Q3 2003

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 2003, the quarter ended September 30, 2003, 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 2026-10-10

Englewood

Bedford Park, IL · Charter 81094

Q3 2003

$3.5MAssets
$985KLoans
$2.8MShares
$638KNet 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 -10.37%, down 879 bps year over year; NIM at 1.06%.
  • Asset quality: problem loans at 16.47% of loans (+311 bps YoY).
  • Capital: net worth / assets of 18.34%, down 590 bps from a year ago.
  • Funding: loans stand at 35.36% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-10.37%-879 bps YoY

Net Interest Margin (YTD, annualized)

1.06%-210 bps YoY

Efficiency Ratio (YTD, annualized)

382%+28,204 bps YoY

Net Worth / Assets

18.34%-590 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-1.58%-2.59%-0.01%-0.19%-10.37%-879 bps
Return on Equity-6.52%-11.01%-0.02%-0.80%-56.54%-5,002 bps
Net Interest Margin3.16%3.17%2.93%2.77%1.06%-210 bps
Efficiency Ratio99.68%102.20%100.20%106.78%382%+28,204 bps
Growth
Asset Growth (YoY)-13.66%-7.42%-6.22%-4.82%-12.31%+134 bps
Loan Growth (YoY)-39.47%-40.59%-37.74%-28.52%-25.45%+1,402 bps
Share Growth (YoY)-12.75%-6.84%-4.98%-2.95%-7.24%+550 bps
Asset Quality
Delinquent Loans / Loans13.36%11.55%11.95%15.29%16.47%+311 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.93%9.31%7.47%8.24%26.41%+1,948 bps
Capital
Risk-Based Capital24.24%23.54%23.91%23.63%18.34%-590 bps
Net Worth / Assets24.24%23.54%23.91%23.63%18.34%-590 bps
Liquidity & Funding
Loans / Shares44.00%39.64%36.47%34.83%35.36%-863 bps
Liquid Assets / Assets66.24%69.59%71.28%72.70%76.88%+1,064 bps