PackageTrendsPeer
Letter portraitLegal landscape

Walker Parkersburg Employees

Parkersburg, WV · Charter 5958

Q1 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: Q1 2005, the quarter ended March 31, 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

Walker Parkersburg Employees

Parkersburg, WV · Charter 5958

Q1 2005

$222KAssets
$94KLoans
$188KShares
$33KNet 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 -1.12%, down 123 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 18.66% of loans (+1,175 bps YoY).
  • Capital: net worth / assets of 14.98%, up 446 bps from a year ago.
  • Funding: loans stand at 49.71% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.12%-123 bps YoY

Net Interest Margin (YTD, annualized)

5.23%+130 bps YoY

Efficiency Ratio (YTD, annualized)

115.83%+1,836 bps YoY

Net Worth / Assets

14.98%+446 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.11%-0.15%-0.26%-1.12%-1.12%-123 bps
Return on Equity1.02%-1.45%-2.35%-7.48%-7.48%-851 bps
Net Interest Margin3.93%3.70%4.04%5.23%5.23%+130 bps
Efficiency Ratio97.48%95.50%100.52%115.82%115.83%+1,836 bps
Growth
Asset Growth (YoY)-12.01%-9.29%-17.65%-33.83%-36.45%-2,444 bps
Loan Growth (YoY)-16.93%-24.95%-37.61%-44.31%-39.53%-2,260 bps
Share Growth (YoY)-13.32%-9.74%-18.86%-36.63%-39.42%-2,611 bps
Asset Quality
Delinquent Loans / Loans6.92%12.69%15.02%18.66%18.66%+1,175 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.42%3.80%4.50%5.67%5.67%+325 bps
Capital
Risk-Based Capital10.52%10.23%11.18%14.98%14.98%+446 bps
Net Worth / Assets10.52%10.23%11.18%14.98%14.98%+446 bps
Liquidity & Funding
Loans / Shares49.80%44.35%41.82%49.71%49.71%-9 bps
Liquid Assets / Assets53.67%58.77%61.61%57.44%57.44%+377 bps