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Letter portraitLegal landscape

Frankfort Federal Employees

Frankfort, KY · Charter 13009

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

Frankfort Federal Employees

Frankfort, KY · Charter 13009

Q3 2004

$784KAssets
$432KLoans
$613KShares
$92KNet 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 -14.81%, down 1,345 bps year over year; NIM at -9.73%.
  • Asset quality: problem loans at 0.00% of loans (-136 bps YoY).
  • Capital: net worth / assets of 11.74%, down 1,517 bps from a year ago.
  • Funding: loans stand at 70.40% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-14.81%-1,345 bps YoY

Net Interest Margin (YTD, annualized)

-9.73%-1,347 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.74%-1,517 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-1.35%-1.13%-0.66%-1.01%-14.81%-1,345 bps
Return on Equity-5.03%-4.06%-2.49%-3.85%-126.08%-12,105 bps
Net Interest Margin3.74%3.79%3.52%3.38%-9.73%-1,347 bps
Efficiency Ratio131.63%133.33%126.13%135.50%n/an/a
Growth
Asset Growth (YoY)6.11%7.17%6.48%1.63%-4.85%-1,097 bps
Loan Growth (YoY)15.61%5.68%-1.00%2.73%-12.39%-2,801 bps
Share Growth (YoY)10.91%12.36%10.62%3.63%2.28%-863 bps
Asset Quality
Delinquent Loans / Loans1.36%0.00%0.00%0.00%0.00%-136 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.56%0.52%0.49%0.48%-47 bps
Capital
Risk-Based Capital26.91%27.88%26.36%26.34%11.74%-1,517 bps
Net Worth / Assets26.91%27.88%26.36%26.34%11.74%-1,517 bps
Liquidity & Funding
Loans / Shares82.19%90.62%77.07%80.84%70.40%-1,179 bps
Liquid Assets / Assets38.94%33.24%41.85%39.08%43.50%+456 bps