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Plumbers & Stmfitters Loc 348

Ogden, UT · Charter 15315

Q1 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: Q1 2006, the quarter ended March 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

Plumbers & Stmfitters Loc 348

Ogden, UT · Charter 15315

Q1 2006

$288KAssets
$219KLoans
$229KShares
$58KNet 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 0.70%, up 147 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.00% of loans (-414 bps YoY).
  • Capital: net worth / assets of 20.00%, up 484 bps from a year ago.
  • Funding: loans stand at 95.60% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

0.70%+147 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+200 bps YoY

Efficiency Ratio (YTD, annualized)

86.29%-3,948 bps YoY

Net Worth / Assets

20.00%+484 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-0.77%-2.01%-1.52%-1.25%0.70%+147 bps
Return on Equity-5.08%-12.69%-9.05%-6.96%3.52%+860 bps
Net Interest Margin2.94%3.08%3.42%3.76%4.94%+200 bps
Efficiency Ratio125.76%136.86%126.25%119.85%86.29%-3,948 bps
Growth
Asset Growth (YoY)-3.93%-14.32%-15.30%-21.26%-27.60%-2,368 bps
Loan Growth (YoY)-14.63%-15.47%-14.40%-14.37%-17.65%-302 bps
Share Growth (YoY)-5.03%-16.09%-17.84%-25.06%-31.50%-2,647 bps
Asset Quality
Delinquent Loans / Loans4.14%0.00%0.00%0.37%0.00%-414 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.66%0.44%0.43%1.26%1.46%-120 bps
Capital
Risk-Based Capital15.16%15.83%16.75%17.91%20.00%+484 bps
Net Worth / Assets15.16%15.83%16.75%17.91%20.00%+484 bps
Liquidity & Funding
Loans / Shares79.52%88.67%98.02%98.66%95.60%+1,608 bps
Liquid Assets / Assets31.34%22.42%13.62%16.98%21.52%-982 bps