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Marion School Empl

Marion, IN · Charter 1271

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Marion School Empl

Marion, IN · Charter 1271

Q2 2007

$189.3MAssets
$91.7MLoans
$164.8MShares
$23.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.89%, down 27 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.62% of loans (-16 bps YoY).
  • Capital: net worth / assets of 12.14%, up 13 bps from a year ago.
  • Funding: loans stand at 55.63% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

0.89%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-9 bps YoY

Efficiency Ratio (YTD, annualized)

72.31%+151 bps YoY

Net Worth / Assets

12.14%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.10%0.95%0.89%1.16%1.21%1.10%0.93%0.89%-27 bps
Return on Equity9.37%8.03%7.56%9.65%9.79%9.18%7.95%7.35%-230 bps
Net Interest Margin3.30%3.10%2.91%2.94%2.99%2.84%2.73%2.85%-9 bps
Efficiency Ratio68.52%70.92%72.50%70.80%68.68%69.87%76.27%72.31%+151 bps
Growth
Asset Growth (YoY)4.58%3.06%4.71%5.46%3.49%8.53%9.90%7.59%+213 bps
Loan Growth (YoY)-0.25%-0.83%-0.44%0.98%1.26%3.03%2.22%1.23%+25 bps
Share Growth (YoY)4.04%2.56%4.27%4.52%2.80%8.33%9.81%7.93%+341 bps
Asset Quality
Delinquent Loans / Loans0.70%1.14%0.54%0.78%0.53%0.73%0.76%0.62%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.73%0.73%0.78%0.64%0.65%0.65%0.58%0.63%-1 bps
Capital
Risk-Based Capital11.70%11.87%11.73%12.01%12.34%12.04%11.77%12.14%+13 bps
Net Worth / Assets11.70%11.87%11.73%12.01%12.34%12.04%11.77%12.14%+13 bps
Liquidity & Funding
Loans / Shares61.11%60.24%57.75%59.31%60.19%57.29%53.75%55.63%-368 bps
Liquid Assets / Assets19.74%18.30%24.76%0.00%0.00%0.00%0.00%0.00%0 bps