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U.S.A. One National

Homewood, IL · Charter 95800

Q1 2012

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: Q1 2012, the quarter ended March 31, 2012, 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

U.S.A. One National

Homewood, IL · Charter 95800

Q1 2012

$38.0MAssets
$23.6MLoans
$37.5MShares
$-85KNet 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 -30.59%, down 3,155 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 16.19% of loans (+1,557 bps YoY).
  • Capital: net worth / assets of -0.22%, down 1,018 bps from a year ago.
  • Funding: loans stand at 63.08% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-30.59%-3,155 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-78 bps YoY

Efficiency Ratio (YTD, annualized)

105.48%+1,145 bps YoY

Net Worth / Assets

-0.22%-1,018 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.96%0.03%-1.68%-2.96%-30.59%-3,155 bps
Return on Equity9.67%0.35%-19.18%-41.48%n/an/a
Net Interest Margin4.49%4.51%4.28%3.70%3.71%-78 bps
Efficiency Ratio94.03%93.98%98.99%106.75%105.48%+1,145 bps
Growth
Asset Growth (YoY)4.58%3.96%-1.33%-1.13%-7.47%-1,205 bps
Loan Growth (YoY)4.20%-6.17%-9.49%-7.28%-9.00%-1,320 bps
Share Growth (YoY)5.37%5.30%-0.11%2.39%2.97%-240 bps
Asset Quality
Delinquent Loans / Loans0.61%1.86%8.57%14.59%16.19%+1,557 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.68%2.30%4.09%5.87%18.04%+1,636 bps
Capital
Risk-Based Capital9.96%9.78%8.74%7.14%-0.22%-1,018 bps
Net Worth / Assets9.96%9.78%8.74%7.14%-0.22%-1,018 bps
Liquidity & Funding
Loans / Shares71.38%65.00%65.12%65.75%63.08%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps