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IBEW Local 637

Roanoke, VA · Charter 20451

Q2 2005

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: Q2 2005, the quarter ended June 30, 2005, 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

IBEW Local 637

Roanoke, VA · Charter 20451

Q2 2005

$520KAssets
$54KLoans
$394KShares
$126KNet 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 0.31%, up 73 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 14.33% of loans (-1,391 bps YoY).
  • Capital: net worth / assets of 24.26%, up 558 bps from a year ago.
  • Funding: loans stand at 13.74% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.31%+73 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+85 bps YoY

Efficiency Ratio (YTD, annualized)

89.64%-3,013 bps YoY

Net Worth / Assets

24.26%+558 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.42%-0.20%-0.09%0.23%0.31%+73 bps
Return on Equity-2.25%-1.01%-0.44%1.04%1.26%+351 bps
Net Interest Margin2.02%2.18%2.34%2.46%2.87%+85 bps
Efficiency Ratio119.76%108.77%103.82%90.84%89.64%-3,013 bps
Growth
Asset Growth (YoY)-12.78%-14.81%-20.78%-17.91%-21.98%-919 bps
Loan Growth (YoY)-39.14%-50.37%-51.18%-53.17%-44.91%-577 bps
Share Growth (YoY)-15.12%-17.82%-24.97%-22.05%-27.29%-1,216 bps
Asset Quality
Delinquent Loans / Loans28.24%9.10%7.97%25.67%14.33%-1,391 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans56.90%71.40%89.38%103.62%114.76%+5,786 bps
Capital
Risk-Based Capital18.68%19.78%21.41%22.20%24.26%+558 bps
Net Worth / Assets18.68%19.78%21.41%22.20%24.26%+558 bps
Liquidity & Funding
Loans / Shares18.13%15.51%15.11%13.61%13.74%-439 bps
Liquid Assets / Assets91.42%94.14%96.22%97.83%99.11%+770 bps