PackageTrendsPeer
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St. Patricks Parish West Park

Cleveland, OH · Charter 4923

Q4 2007

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 2007, the quarter ended December 31, 2007, 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

St. Patricks Parish West Park

Cleveland, OH · Charter 4923

Q4 2007

$1.2MAssets
$413KLoans
$1.0MShares
$191KNet 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 -9.38%, down 1,004 bps year over year; NIM at -4.36%.
  • Asset quality: problem loans at 11.80% of loans (-1,135 bps YoY).
  • Capital: net worth / assets of 15.56%, down 772 bps from a year ago.
  • Funding: loans stand at 39.83% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-9.38%-1,004 bps YoY

Net Interest Margin (YTD, annualized)

-4.36%-871 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.56%-772 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.67%0.33%1.60%0.81%-9.38%-1,004 bps
Return on Equity2.86%1.40%6.57%3.27%-60.29%-6,315 bps
Net Interest Margin4.35%4.10%4.36%4.50%-4.36%-871 bps
Efficiency Ratio75.94%84.76%66.59%79.99%n/an/a
Growth
Asset Growth (YoY)-18.21%-11.76%-14.11%-10.53%-5.98%+1,222 bps
Loan Growth (YoY)-11.67%-6.23%12.32%4.93%-4.51%+715 bps
Share Growth (YoY)-23.02%-15.61%-18.58%-14.33%3.75%+2,677 bps
Asset Quality
Delinquent Loans / Loans23.15%20.06%19.83%13.16%11.80%-1,135 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.52%2.49%2.32%2.83%2.03%-149 bps
Capital
Risk-Based Capital23.27%23.61%24.34%24.61%15.56%-772 bps
Net Worth / Assets23.27%23.61%24.34%24.61%15.56%-772 bps
Liquidity & Funding
Loans / Shares43.28%42.46%47.20%46.00%39.83%-345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps