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Jackson

North Jackson, OH · Charter 2618

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

Jackson

North Jackson, OH · Charter 2618

Q2 2005

$2.1MAssets
$686KLoans
$2.0MShares
$64KNet 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 -2.82%, down 264 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.41% of loans (+23 bps YoY).
  • Capital: net worth / assets of 3.04%, down 429 bps from a year ago.
  • Funding: loans stand at 34.09% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-2.82%-264 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+29 bps YoY

Efficiency Ratio (YTD, annualized)

174.57%+6,917 bps YoY

Net Worth / Assets

3.04%-429 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.19%-0.01%-3.05%-2.09%-2.82%-264 bps
Return on Equity-2.55%-0.17%-58.68%-40.14%-92.97%-9,042 bps
Net Interest Margin2.56%2.85%2.93%2.94%2.85%+29 bps
Efficiency Ratio105.40%100.35%160.14%152.92%174.57%+6,917 bps
Growth
Asset Growth (YoY)-2.84%-8.60%7.39%-2.03%-16.86%-1,402 bps
Loan Growth (YoY)-19.61%-19.13%-15.72%-19.32%-21.56%-195 bps
Share Growth (YoY)-2.91%-9.29%10.16%0.60%-14.06%-1,115 bps
Asset Quality
Delinquent Loans / Loans0.18%0.76%0.57%0.50%0.41%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.26%2.20%2.49%5.96%+473 bps
Capital
Risk-Based Capital7.33%8.07%5.20%5.22%3.04%-429 bps
Net Worth / Assets7.33%8.07%5.20%5.22%3.04%-429 bps
Liquidity & Funding
Loans / Shares37.35%40.41%38.74%39.11%34.09%-326 bps
Liquid Assets / Assets46.19%42.68%44.16%41.49%41.44%-474 bps