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St. Stanislaus

Fall River, MA · Charter 16898

Q1 2005

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 2005, the quarter ended March 31, 2005, 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

St. Stanislaus

Fall River, MA · Charter 16898

Q1 2005

$515KAssets
$192KLoans
$459KShares
$57KNet 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 -2.55%, down 175 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (-123 bps YoY).
  • Capital: net worth / assets of 11.01%, down 1,244 bps from a year ago.
  • Funding: loans stand at 41.84% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-2.55%-175 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-19 bps YoY

Efficiency Ratio (YTD, annualized)

182.48%+5,810 bps YoY

Net Worth / Assets

11.01%-1,244 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.80%0.27%0.00%-15.29%-2.55%-175 bps
Return on Equity-3.41%1.07%0.02%-146.55%-23.16%-1,975 bps
Net Interest Margin3.27%3.54%3.34%-11.47%3.09%-19 bps
Efficiency Ratio124.38%113.80%114.72%n/a182.48%+5,810 bps
Growth
Asset Growth (YoY)-5.59%-13.74%-6.54%-10.90%-17.67%-1,208 bps
Loan Growth (YoY)90.52%20.26%2.19%-24.36%-34.55%-12,507 bps
Share Growth (YoY)-9.07%-13.58%-8.31%9.04%-1.09%+798 bps
Asset Quality
Delinquent Loans / Loans1.23%3.56%0.00%0.00%0.00%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.18%1.23%1.45%1.63%+56 bps
Capital
Risk-Based Capital23.45%24.95%24.52%10.44%11.01%-1,244 bps
Net Worth / Assets23.45%24.95%24.52%10.44%11.01%-1,244 bps
Liquidity & Funding
Loans / Shares63.22%59.29%56.06%41.83%41.84%-2,138 bps
Liquid Assets / Assets49.14%50.26%53.35%58.18%41.21%-793 bps