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Ukrainian Washington

Alexandria, VA · Charter 23874

Q1 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: Q1 2008, the quarter ended March 31, 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

Ukrainian Washington

Alexandria, VA · Charter 23874

Q1 2008

$2.2MAssets
$2.1MLoans
$1.4MShares
$183KNet 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 2.56%, up 163 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY).
  • Capital: net worth / assets of 8.50%, down 164 bps from a year ago.
  • Funding: loans stand at 150.79% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

2.56%+163 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+89 bps YoY

Efficiency Ratio (YTD, annualized)

30.44%-3,628 bps YoY

Net Worth / Assets

8.50%-164 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.93%1.13%1.04%1.10%2.56%+163 bps
Return on Equity9.19%11.86%11.08%11.81%30.09%+2,090 bps
Net Interest Margin2.76%2.80%2.61%2.55%3.65%+89 bps
Efficiency Ratio66.71%59.66%60.13%57.82%30.44%-3,628 bps
Growth
Asset Growth (YoY)-8.01%16.38%17.70%29.47%42.84%+5,085 bps
Loan Growth (YoY)42.52%28.07%50.58%41.67%51.89%+937 bps
Share Growth (YoY)-15.22%-5.14%-8.68%22.03%10.34%+2,556 bps
Asset Quality
Delinquent Loans / Loans0.14%0.14%0.95%0.02%0.00%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.27%0.18%0.17%0.15%-15 bps
Capital
Risk-Based Capital10.14%9.54%9.39%9.31%8.50%-164 bps
Net Worth / Assets10.14%9.54%9.39%9.31%8.50%-164 bps
Liquidity & Funding
Loans / Shares109.54%125.47%139.56%116.68%150.79%+4,125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps