PackageTrendsPeer
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D'Puc

Chicago, IL · Charter 95045

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

D'Puc

Chicago, IL · Charter 95045

NCUA · 1 branch

Q3 2017

$3.5MAssets
$523KLoans
$3.2MShares
$148KNet 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 -13.28%, down 1,293 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (-695 bps YoY).
  • Capital: net worth / assets of 4.24%, down 770 bps from a year ago.
  • Funding: loans stand at 16.15% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-13.28%-1,293 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+34 bps YoY

Efficiency Ratio (YTD, annualized)

416%+30,403 bps YoY

Net Worth / Assets

4.24%-770 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.35%-0.39%-0.27%-0.51%-13.28%-1,293 bps
Return on Equity-2.97%-3.18%-2.25%-4.15%-314%-31,060 bps
Net Interest Margin2.83%2.87%2.74%2.61%3.17%+34 bps
Efficiency Ratio111.51%112.61%109.11%117.56%416%+30,403 bps
Growth
Asset Growth (YoY)1.79%0.51%-1.39%-1.68%-16.74%-1,853 bps
Loan Growth (YoY)-13.98%-19.04%-21.32%-16.83%-27.35%-1,337 bps
Share Growth (YoY)2.59%0.87%-1.12%-1.40%-10.16%-1,274 bps
Asset Quality
Delinquent Loans / Loans6.95%0.24%4.97%6.07%0.00%-695 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.16%1.32%1.48%1.44%9.27%+711 bps
Capital
Risk-Based Capital11.93%12.38%12.12%12.21%4.24%-770 bps
Net Worth / Assets11.93%12.38%12.12%12.21%4.24%-770 bps
Liquidity & Funding
Loans / Shares19.97%20.23%17.80%18.47%16.15%-382 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps