PackageTrendsPeer
Letter portraitLegal landscape

Boca Raton Employees

Boca Raton, FL · Charter 17021

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 2026-10-10

Boca Raton Employees

Boca Raton, FL · Charter 17021

Q1 2008

$3.4MAssets
$2.7MLoans
$3.1MShares
$354KNet 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 -18.27%, down 1,840 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.81% of loans (-52 bps YoY).
  • Capital: net worth / assets of 10.36%, down 202 bps from a year ago.
  • Funding: loans stand at 89.25% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-18.27%-1,840 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-61 bps YoY

Efficiency Ratio (YTD, annualized)

440%+35,516 bps YoY

Net Worth / Assets

10.36%-202 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.13%0.57%0.73%0.39%-18.27%-1,840 bps
Return on Equity1.06%4.43%5.48%2.67%-176.35%-17,741 bps
Net Interest Margin4.65%4.71%4.90%5.48%4.04%-61 bps
Efficiency Ratio84.61%81.57%81.04%81.47%440%+35,516 bps
Growth
Asset Growth (YoY)-12.99%-12.52%-12.01%-11.00%-15.01%-203 bps
Loan Growth (YoY)4.88%2.44%-2.28%-7.86%-7.60%-1,248 bps
Share Growth (YoY)-14.84%-14.58%-14.16%-13.06%-12.57%+227 bps
Asset Quality
Delinquent Loans / Loans1.33%1.59%0.94%1.12%0.81%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.74%0.90%0.71%1.63%+93 bps
Capital
Risk-Based Capital12.38%12.82%13.27%14.58%10.36%-202 bps
Net Worth / Assets12.38%12.82%13.27%14.58%10.36%-202 bps
Liquidity & Funding
Loans / Shares84.45%85.57%89.39%97.23%89.25%+480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps