PackageTrendsPeer
Letter portraitLegal landscape

Tempel

Chicago, IL · Charter 17408

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

Tempel

Chicago, IL · Charter 17408

Q4 2004

$3.4MAssets
$1.9MLoans
$3.1MShares
$380KNet 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 -4.71%, down 218 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.23% of loans (-344 bps YoY).
  • Capital: net worth / assets of 11.02%, down 299 bps from a year ago.
  • Funding: loans stand at 61.38% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-4.71%-218 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+116 bps YoY

Efficiency Ratio (YTD, annualized)

193.76%+3,364 bps YoY

Net Worth / Assets

11.02%-299 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets-2.53%-3.28%-1.78%-4.36%-4.71%-218 bps
Return on Equity-18.08%-21.45%-13.99%-40.57%-42.72%-2,464 bps
Net Interest Margin3.78%4.20%4.57%4.55%4.94%+116 bps
Efficiency Ratio160.12%114.40%107.35%204%193.76%+3,364 bps
Growth
Asset Growth (YoY)-6.99%-14.44%-22.18%-21.84%-26.25%-1,926 bps
Loan Growth (YoY)2.18%8.78%5.24%8.52%-20.90%-2,308 bps
Share Growth (YoY)-6.47%-15.73%-21.00%-18.51%-23.13%-1,667 bps
Asset Quality
Delinquent Loans / Loans3.67%4.48%1.95%1.72%0.23%-344 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.22%3.05%7.84%8.07%8.28%+606 bps
Capital
Risk-Based Capital14.02%15.31%12.72%10.76%11.02%-299 bps
Net Worth / Assets14.02%15.31%12.72%10.76%11.02%-299 bps
Liquidity & Funding
Loans / Shares59.65%61.11%61.20%59.90%61.38%+173 bps
Liquid Assets / Assets10.14%6.24%3.94%41.50%5.19%-495 bps