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Credit Union 1

Rantoul, IL · Charter 96069

NCUA · 16 branches

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

Credit Union 1

Rantoul, IL · Charter 96069

NCUA · 16 branches

Q4 2021

$1.2BAssets
$828.5MLoans
$1.0BShares
$106.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.12%, up 52 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.74% of loans (-4 bps YoY).
  • Capital: net worth / assets of 8.71%, up 50 bps from a year ago.
  • Funding: loans stand at 79.99% of shares as of Q4 2021.

Return on Assets (YTD, annualized)

1.12%+52 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+14 bps YoY

Efficiency Ratio (YTD, annualized)

79.05%+232 bps YoY

Net Worth / Assets

8.71%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.95%0.80%0.68%0.60%0.42%1.01%0.84%1.12%+52 bps
Return on Equity10.73%9.54%8.07%7.31%5.23%11.77%9.75%12.90%+559 bps
Net Interest Margin2.99%2.75%2.65%2.59%2.74%2.88%2.80%2.73%+14 bps
Efficiency Ratio75.45%74.19%75.90%76.73%89.49%80.51%82.99%79.05%+232 bps
Growth
Asset Growth (YoY)18.28%24.55%20.30%22.20%18.46%6.73%6.53%4.73%-1,747 bps
Loan Growth (YoY)17.72%13.65%10.71%13.57%26.02%20.63%17.70%16.35%+277 bps
Share Growth (YoY)13.22%19.86%15.05%17.16%20.71%7.06%6.94%2.80%-1,436 bps
Asset Quality
Delinquent Loans / Loans0.93%0.91%0.92%0.78%0.55%0.47%0.50%0.74%-4 bps
Net Charge-Offs / Loans0.78%0.69%0.64%n/an/an/an/an/an/a
Allowance / Loans0.81%0.99%1.17%1.22%1.09%1.09%1.06%0.96%-25 bps
Capital
Risk-Based Capital8.85%8.40%8.39%8.21%7.95%8.59%8.61%8.71%+50 bps
Net Worth / Assets8.85%8.40%8.39%8.21%7.95%8.59%8.61%8.71%+50 bps
Liquidity & Funding
Loans / Shares69.41%65.09%65.82%70.67%72.46%73.34%72.44%79.99%+931 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%98.47%+9,847 bps