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Fedcon Employees

Versailles, CT · Charter 16122

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Fedcon Employees

Versailles, CT · Charter 16122

Q1 2008

$2.0MAssets
$801KLoans
$1.5MShares
$490KNet Worth

Executive Summary

  • Earnings: ROA of 0.22%, down 64 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY).
  • Capital: net worth / assets of 24.50%, up 341 bps from a year ago.
  • Funding: loans stand at 53.12% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

0.22%-64 bps YoY

Net Interest Margin (YTD, annualized)

4.75%-1 bps YoY

Efficiency Ratio (YTD, annualized)

95.42%+1,581 bps YoY

Net Worth / Assets

24.50%+341 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.25%0.58%0.59%0.86%0.70%0.79%0.77%0.22%-64 bps
Return on Equity1.28%2.73%2.74%4.08%3.27%3.36%3.13%0.91%-317 bps
Net Interest Margin4.09%4.54%4.69%4.76%4.70%5.13%5.31%4.75%-1 bps
Efficiency Ratio93.93%87.57%87.53%79.61%82.72%82.58%83.93%95.42%+1,581 bps
Growth
Asset Growth (YoY)-7.94%-8.06%-3.95%-1.56%-3.59%-6.59%-10.21%-11.85%-1,029 bps
Loan Growth (YoY)-1.90%1.62%-6.14%-6.77%7.28%-5.58%3.55%2.42%+919 bps
Share Growth (YoY)-10.08%-10.54%-5.69%-2.89%-5.50%-9.36%-13.89%-15.68%-1,279 bps
Asset Quality
Delinquent Loans / Loans0.07%0.00%0.00%0.00%0.00%0.00%0.00%0.10%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.28%1.34%1.45%1.68%1.65%1.94%1.84%2.02%+34 bps
Capital
Risk-Based Capital19.80%21.18%21.48%21.09%21.33%23.43%24.70%24.50%+341 bps
Net Worth / Assets19.80%21.18%21.48%21.09%21.33%23.43%24.70%24.50%+341 bps
Liquidity & Funding
Loans / Shares42.45%50.47%49.05%43.73%48.19%52.57%58.98%53.12%+939 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps