PackageTrendsPeer
Letter portraitLegal landscape

Recycling Employees

Cotton Valley, LA · Charter 4463

Q3 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: Q3 2005, the quarter ended September 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

Recycling Employees

Cotton Valley, LA · Charter 4463

Q3 2005

$4.1MAssets
$1.7MLoans
$3.9MShares
$194KNet 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 -7.46%, down 732 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 5.21% of loans (-180 bps YoY).
  • Capital: net worth / assets of 4.77%, down 380 bps from a year ago.
  • Funding: loans stand at 43.52% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-7.46%-732 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+22 bps YoY

Efficiency Ratio (YTD, annualized)

159.59%+7,063 bps YoY

Net Worth / Assets

4.77%-380 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.14%0.07%0.47%0.15%-7.46%-732 bps
Return on Equity-1.63%0.80%4.94%1.58%-156.39%-15,476 bps
Net Interest Margin3.15%3.19%3.07%3.10%3.37%+22 bps
Efficiency Ratio88.96%85.33%84.39%85.61%159.59%+7,063 bps
Growth
Asset Growth (YoY)-0.06%2.09%-7.02%-12.99%-15.66%-1,559 bps
Loan Growth (YoY)-8.65%-9.98%-10.16%-14.85%-15.31%-667 bps
Share Growth (YoY)0.04%2.67%-7.85%-14.60%-12.72%-1,276 bps
Asset Quality
Delinquent Loans / Loans7.00%11.40%9.36%8.30%5.21%-180 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.86%0.88%0.00%3.01%+221 bps
Capital
Risk-Based Capital8.57%8.87%9.43%9.77%4.77%-380 bps
Net Worth / Assets8.57%8.87%9.43%9.77%4.77%-380 bps
Liquidity & Funding
Loans / Shares44.85%42.43%44.65%46.67%43.52%-133 bps
Liquid Assets / Assets21.77%22.97%19.40%18.89%28.94%+716 bps