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Racal

Ft. Lauderdale, FL · Charter 12462

Q4 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: Q4 2006, the quarter ended December 31, 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

Racal

Ft. Lauderdale, FL · Charter 12462

Q4 2006

$4.4MAssets
$1.1MLoans
$3.4MShares
$931KNet 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 -2.02%, down 203 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 1.37% of loans (-34 bps YoY).
  • Capital: net worth / assets of 21.12%, up 384 bps from a year ago.
  • Funding: loans stand at 33.61% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-2.02%-203 bps YoY

Net Interest Margin (YTD, annualized)

5.18%+104 bps YoY

Efficiency Ratio (YTD, annualized)

130.87%+3,868 bps YoY

Net Worth / Assets

21.12%+384 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.01%0.32%0.23%0.21%-2.02%-203 bps
Return on Equity0.08%1.77%1.16%0.96%-9.55%-963 bps
Net Interest Margin4.14%4.40%4.79%5.07%5.18%+104 bps
Efficiency Ratio92.19%93.98%96.07%96.70%130.87%+3,868 bps
Growth
Asset Growth (YoY)0.11%-4.02%-14.44%-23.45%-25.31%-2,543 bps
Loan Growth (YoY)-15.12%-13.73%-23.18%-24.23%-18.51%-339 bps
Share Growth (YoY)0.06%-5.24%-17.82%-30.29%-30.10%-3,016 bps
Asset Quality
Delinquent Loans / Loans1.71%0.73%0.62%1.83%1.37%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.60%2.85%3.18%2.94%4.88%+228 bps
Capital
Risk-Based Capital17.28%18.17%19.98%21.50%21.12%+384 bps
Net Worth / Assets17.28%18.17%19.98%21.50%21.12%+384 bps
Liquidity & Funding
Loans / Shares28.83%28.24%28.55%31.59%33.61%+478 bps
Liquid Assets / Assets45.85%46.54%0.00%0.00%0.00%-4,585 bps