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Peterson

Peterson, MN · Charter 16961

Q4 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: Q4 2004, the quarter ended December 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

Peterson

Peterson, MN · Charter 16961

Q4 2004

$5.4MAssets
$2.5MLoans
$4.9MShares
$346KNet 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 -12.41%, down 1,453 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.62% of loans (-108 bps YoY).
  • Capital: net worth / assets of 6.39%, down 1,185 bps from a year ago.
  • Funding: loans stand at 50.67% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-12.41%-1,453 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-244 bps YoY

Efficiency Ratio (YTD, annualized)

228%+18,152 bps YoY

Net Worth / Assets

6.39%-1,185 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets2.12%2.36%1.90%1.85%-12.41%-1,453 bps
Return on Equity11.64%12.34%10.21%9.61%-194.26%-20,590 bps
Net Interest Margin4.00%4.10%3.56%3.58%1.55%-244 bps
Efficiency Ratio46.19%45.31%49.40%50.94%228%+18,152 bps
Growth
Asset Growth (YoY)5.77%1.32%8.25%4.81%-2.95%-872 bps
Loan Growth (YoY)-7.42%-12.01%-12.01%-9.68%-12.36%-494 bps
Share Growth (YoY)4.27%-1.03%7.57%3.53%8.52%+425 bps
Asset Quality
Delinquent Loans / Loans1.70%1.43%1.96%1.23%0.62%-108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.35%2.53%2.57%2.68%24.66%+2,231 bps
Capital
Risk-Based Capital18.24%19.12%18.62%19.27%6.39%-1,185 bps
Net Worth / Assets18.24%19.12%18.62%19.27%6.39%-1,185 bps
Liquidity & Funding
Loans / Shares62.74%60.40%58.17%57.02%50.67%-1,207 bps
Liquid Assets / Assets40.76%41.24%45.00%44.49%56.96%+1,619 bps