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Orco

St. Louis, MO · Charter 17682

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Orco

St. Louis, MO · Charter 17682

Q3 2002

$1.6MAssets
$983KLoans
$1.3MShares
$312KNet 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 -0.40%, down 31 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 3.82% of loans (+257 bps YoY).
  • Capital: net worth / assets of 19.02%, down 221 bps from a year ago.
  • Funding: loans stand at 74.35% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.40%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.28%-252 bps YoY

Efficiency Ratio (YTD, annualized)

103.00%+1,466 bps YoY

Net Worth / Assets

19.02%-221 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-0.10%-0.10%-0.10%-0.61%-0.40%-31 bps
Return on Equity-0.45%-0.50%-0.52%-3.18%-2.12%-167 bps
Net Interest Margin4.80%4.42%4.06%3.42%2.28%-252 bps
Efficiency Ratio88.34%96.92%95.51%103.00%103.00%+1,466 bps
Growth
Asset Growth (YoY)-2.20%-0.27%0.80%8.75%9.07%+1,127 bps
Loan Growth (YoY)-3.42%-3.05%-19.95%-25.68%-23.17%-1,975 bps
Share Growth (YoY)-3.93%-1.22%1.27%11.99%12.30%+1,623 bps
Asset Quality
Delinquent Loans / Loans1.26%1.20%1.61%3.82%3.82%+257 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.73%0.80%0.88%0.88%+33 bps
Capital
Risk-Based Capital21.22%20.94%19.95%19.02%19.02%-221 bps
Net Worth / Assets21.22%20.94%19.95%19.02%19.02%-221 bps
Liquidity & Funding
Loans / Shares108.68%101.60%80.91%74.35%74.35%-3,432 bps
Liquid Assets / Assets12.32%18.61%34.04%38.61%38.61%+2,630 bps