PackageTrendsPeer
Letter portraitLegal landscape

Icpr

San Juan, PR · Charter 10234

Q2 2006

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: Q2 2006, the quarter ended June 30, 2006, 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

Icpr

San Juan, PR · Charter 10234

Q2 2006

$658KAssets
$251KLoans
$556KShares
$102KNet 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 -22.18%, down 2,019 bps year over year; NIM at -10.73%.
  • Asset quality: problem loans at 0.00% of loans (-733 bps YoY).
  • Capital: net worth / assets of 15.47%, down 645 bps from a year ago.
  • Funding: loans stand at 45.25% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-22.18%-2,019 bps YoY

Net Interest Margin (YTD, annualized)

-10.73%-1,354 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.47%-645 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets-1.98%-1.03%-0.94%7.38%-22.18%-2,019 bps
Return on Equity-9.05%-4.47%-4.00%28.24%-143.39%-13,433 bps
Net Interest Margin2.81%2.75%2.98%6.28%-10.73%-1,354 bps
Efficiency Ratio170.29%137.32%131.24%75.44%n/an/a
Growth
Asset Growth (YoY)-0.66%-7.00%-3.89%-6.67%-17.07%-1,641 bps
Loan Growth (YoY)-3.50%-2.81%-10.90%-6.63%-19.78%-1,628 bps
Share Growth (YoY)0.84%-7.44%-4.51%-10.51%-9.93%-1,076 bps
Asset Quality
Delinquent Loans / Loans7.33%11.67%3.76%4.86%0.00%-733 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.05%9.72%9.71%6.13%1.03%-801 bps
Capital
Risk-Based Capital21.91%23.11%23.47%26.12%15.47%-645 bps
Net Worth / Assets21.91%23.11%23.47%26.12%15.47%-645 bps
Liquidity & Funding
Loans / Shares50.81%50.10%49.52%52.41%45.25%-556 bps
Liquid Assets / Assets55.33%56.25%58.14%54.14%0.00%-5,533 bps