PackageTrendsPeer
Letter portraitLegal landscape

Puerto Rican Society

Waukegan, IL · Charter 14075

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Puerto Rican Society

Waukegan, IL · Charter 14075

Q4 2002

$380KAssets
$322KLoans
$391KShares
$-13KNet 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 -37.48%, down 3,956 bps year over year; NIM at 9.77%.
  • Asset quality: problem loans at 43.99% of loans (+3,648 bps YoY).
  • Capital: net worth / assets of -3.48%, down 2,624 bps from a year ago.
  • Funding: loans stand at 82.37% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-37.48%-3,956 bps YoY

Net Interest Margin (YTD, annualized)

9.77%+230 bps YoY

Efficiency Ratio (YTD, annualized)

64.03%-988 bps YoY

Net Worth / Assets

-3.48%-2,624 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets2.08%1.35%-33.57%-48.31%-37.48%-3,956 bps
Return on Equity9.13%6.46%-391%n/an/an/a
Net Interest Margin7.47%5.94%6.04%8.62%9.77%+230 bps
Efficiency Ratio73.91%78.64%82.67%72.08%64.03%-988 bps
Growth
Asset Growth (YoY)-4.73%12.29%-8.64%-27.29%-31.71%-2,699 bps
Loan Growth (YoY)8.28%5.27%-6.51%-22.52%-35.06%-4,333 bps
Share Growth (YoY)-10.33%11.74%7.50%-0.61%-7.28%+305 bps
Asset Quality
Delinquent Loans / Loans7.52%28.12%41.66%41.83%43.99%+3,648 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.97%9.02%14.06%9.31%+831 bps
Capital
Risk-Based Capital22.75%20.85%8.58%-4.68%-3.48%-2,624 bps
Net Worth / Assets22.75%20.85%8.58%-4.68%-3.48%-2,624 bps
Liquidity & Funding
Loans / Shares117.60%106.60%101.18%87.91%82.37%-3,523 bps
Liquid Assets / Assets8.53%15.08%12.87%17.54%19.37%+1,084 bps