PackageTrendsPeer
Letter portraitLegal landscape

Arizona Council of the Blind

Phoenix, AZ · Charter 20724

Q4 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: Q4 2005, the quarter ended December 31, 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

Arizona Council of the Blind

Phoenix, AZ · Charter 20724

Q4 2005

$87KAssets
$57KLoans
$65KShares
$15KNet 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 -6.09%, down 589 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 3.44% of loans (-114 bps YoY).
  • Capital: net worth / assets of 17.50%, up 502 bps from a year ago.
  • Funding: loans stand at 87.09% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-6.09%-589 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-109 bps YoY

Efficiency Ratio (YTD, annualized)

178.39%+8,694 bps YoY

Net Worth / Assets

17.50%+502 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.20%4.01%1.71%1.25%-6.09%-589 bps
Return on Equity-1.61%31.64%12.51%8.87%-34.77%-3,317 bps
Net Interest Margin4.91%6.01%6.16%6.31%3.81%-109 bps
Efficiency Ratio91.45%55.81%71.25%74.66%178.39%+8,694 bps
Growth
Asset Growth (YoY)13.70%11.24%9.64%-11.31%-47.08%-6,078 bps
Loan Growth (YoY)-11.21%-15.05%10.18%12.85%-16.25%-503 bps
Share Growth (YoY)16.68%12.11%10.82%-13.21%-54.69%-7,137 bps
Asset Quality
Delinquent Loans / Loans4.58%1.71%1.17%0.99%3.44%-114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.11%6.93%6.84%6.95%8.96%-16 bps
Capital
Risk-Based Capital12.48%12.66%13.68%14.06%17.50%+502 bps
Net Worth / Assets12.48%12.66%13.68%14.06%17.50%+502 bps
Liquidity & Funding
Loans / Shares47.11%42.92%47.21%51.03%87.09%+3,998 bps
Liquid Assets / Assets59.48%62.24%57.76%55.05%34.01%-2,546 bps