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Assumption Parish

Mt. Healthy, OH · Charter 13412

Q1 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: Q1 2004, the quarter ended March 31, 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

Assumption Parish

Mt. Healthy, OH · Charter 13412

Q1 2004

$400KAssets
$180KLoans
$354KShares
$45KNet 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 -4.24%, down 433 bps year over year; NIM at 5.05%.
  • Asset quality: problem loans at 3.69% of loans (+369 bps YoY).
  • Capital: net worth / assets of 11.30%, up 377 bps from a year ago.
  • Funding: loans stand at 50.68% of shares as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

-4.24%-433 bps YoY

Net Interest Margin (YTD, annualized)

5.05%+81 bps YoY

Efficiency Ratio (YTD, annualized)

182.80%+8,464 bps YoY

Net Worth / Assets

11.30%+377 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.08%-0.26%-0.37%-0.47%-4.24%-433 bps
Return on Equity1.07%-3.27%-4.67%-5.28%-37.57%-3,864 bps
Net Interest Margin4.24%4.42%4.32%4.82%5.05%+81 bps
Efficiency Ratio98.16%105.75%108.32%109.48%182.80%+8,464 bps
Growth
Asset Growth (YoY)1.10%-13.13%-10.56%-18.74%-42.30%-4,340 bps
Loan Growth (YoY)-37.44%-23.80%-35.84%-32.57%-40.80%-336 bps
Share Growth (YoY)0.93%-14.17%-11.06%-19.26%-44.24%-4,517 bps
Asset Quality
Delinquent Loans / Loans0.00%0.79%2.72%3.12%3.69%+369 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%1.11%1.15%1.37%1.64%+67 bps
Capital
Risk-Based Capital7.53%8.00%7.99%8.94%11.30%+377 bps
Net Worth / Assets7.53%8.00%7.99%8.94%11.30%+377 bps
Liquidity & Funding
Loans / Shares47.74%45.35%44.41%42.86%50.68%+294 bps
Liquid Assets / Assets52.90%54.69%55.46%56.82%49.91%-299 bps