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College Station Community

College Station, AR · Charter 18583

Q3 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: Q3 2008, the quarter ended September 30, 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 2026-10-11

College Station Community

College Station, AR · Charter 18583

Q3 2008

$956KAssets
$144KLoans
$850KShares
$80KNet 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 -2.45%, up 30 bps year over year; NIM at 0.84%.
  • Asset quality: problem loans at 30.33% of loans (+357 bps YoY).
  • Capital: net worth / assets of 8.38%, down 253 bps from a year ago.
  • Funding: loans stand at 16.89% of shares as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-2.45%+30 bps YoY

Net Interest Margin (YTD, annualized)

0.84%-170 bps YoY

Efficiency Ratio (YTD, annualized)

220%+9,860 bps YoY

Net Worth / Assets

8.38%-253 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets-2.75%-0.14%-1.75%-2.92%-2.45%+30 bps
Return on Equity-25.16%-1.08%-17.68%-33.23%-29.17%-401 bps
Net Interest Margin2.54%2.12%2.08%1.08%0.84%-170 bps
Efficiency Ratio120.95%77.11%149.85%225%220%+9,860 bps
Growth
Asset Growth (YoY)-8.47%-7.25%-8.47%-6.27%1.15%+962 bps
Loan Growth (YoY)-41.39%-32.75%-34.12%-22.49%-24.36%+1,703 bps
Share Growth (YoY)-3.97%-8.60%-3.42%-4.25%3.85%+781 bps
Asset Quality
Delinquent Loans / Loans26.75%22.30%24.36%24.04%30.33%+357 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.65%8.70%12.12%14.85%18.10%+646 bps
Capital
Risk-Based Capital10.92%13.01%9.92%8.78%8.38%-253 bps
Net Worth / Assets10.92%13.01%9.92%8.78%8.38%-253 bps
Liquidity & Funding
Loans / Shares23.19%24.74%20.86%18.80%16.89%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps