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Knudsen

Santa Clarita, CA · Charter 499

Q2 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: Q2 2007, the quarter ended June 30, 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

Knudsen

Santa Clarita, CA · Charter 499

Q2 2007

$2.8MAssets
$1.8MLoans
$2.3MShares
$358KNet 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 -21.17%, down 2,148 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 3.33% of loans (+333 bps YoY).
  • Capital: net worth / assets of 12.88%, down 916 bps from a year ago.
  • Funding: loans stand at 78.72% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-21.17%-2,148 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-393 bps YoY

Efficiency Ratio (YTD, annualized)

429%+34,314 bps YoY

Net Worth / Assets

12.88%-916 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.31%0.12%-0.74%-0.93%-21.17%-2,148 bps
Return on Equity1.39%0.52%-3.40%-4.34%-164.43%-16,582 bps
Net Interest Margin6.61%6.58%6.49%5.59%2.68%-393 bps
Efficiency Ratio85.98%89.44%91.48%114.24%429%+34,314 bps
Growth
Asset Growth (YoY)-11.38%-11.53%-9.93%-3.54%-9.79%+159 bps
Loan Growth (YoY)-19.31%-15.16%-15.39%-14.76%-19.10%+21 bps
Share Growth (YoY)-11.88%-11.59%-4.49%-3.32%-4.75%+713 bps
Asset Quality
Delinquent Loans / Loans0.00%2.52%2.91%4.38%3.33%+333 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.41%0.73%0.46%4.19%+386 bps
Capital
Risk-Based Capital22.04%22.64%21.84%21.43%12.88%-916 bps
Net Worth / Assets22.04%22.64%21.84%21.43%12.88%-916 bps
Liquidity & Funding
Loans / Shares92.69%97.26%89.06%83.66%78.72%-1,397 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps