PackageTrendsPeer
Letter portraitLegal landscape

Union Special Employees

Huntley, IL · Charter 81311

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

Union Special Employees

Huntley, IL · Charter 81311

Q4 2009

$813KAssets
$316KLoans
$502KShares
$307KNet 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 -6.40%, down 650 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 5.09% of loans (+178 bps YoY).
  • Capital: net worth / assets of 37.75%, up 100 bps from a year ago.
  • Funding: loans stand at 62.85% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.40%-650 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+61 bps YoY

Efficiency Ratio (YTD, annualized)

77.71%-1,943 bps YoY

Net Worth / Assets

37.75%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.10%-0.63%-2.95%-2.83%-6.40%-650 bps
Return on Equity0.26%-1.70%-7.85%-7.28%-16.96%-1,723 bps
Net Interest Margin3.41%3.86%3.62%3.69%4.02%+61 bps
Efficiency Ratio97.14%58.17%58.72%59.94%77.71%-1,943 bps
Growth
Asset Growth (YoY)-16.17%-16.69%-18.97%-19.12%-16.76%-59 bps
Loan Growth (YoY)-24.26%-32.29%-34.55%-41.57%-46.19%-2,193 bps
Share Growth (YoY)-23.46%-23.98%-26.13%-26.07%-18.64%+482 bps
Asset Quality
Delinquent Loans / Loans3.31%1.30%3.18%7.61%5.09%+178 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.48%1.21%1.42%10.29%+931 bps
Capital
Risk-Based Capital36.75%36.75%37.59%38.91%37.75%+100 bps
Net Worth / Assets36.75%36.75%37.59%38.91%37.75%+100 bps
Liquidity & Funding
Loans / Shares95.03%82.65%74.91%70.83%62.85%-3,218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps