PackageTrendsPeer
Letter portraitLegal landscape

Hpi Employees

East St Louis, IL · Charter 60178

Q4 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: Q4 2005, the quarter ended December 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

Hpi Employees

East St Louis, IL · Charter 60178

Q4 2005

$104KAssets
$9KLoans
$91KShares
$13KNet 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 -32.24%, down 3,214 bps year over year; NIM at -8.03%.
  • Asset quality: problem loans at 40.23% of loans (+3,153 bps YoY).
  • Capital: net worth / assets of 12.91%, down 404 bps from a year ago.
  • Funding: loans stand at 10.19% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-32.24%-3,214 bps YoY

Net Interest Margin (YTD, annualized)

-8.03%-1,166 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.91%-404 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.10%0.93%1.04%1.41%-32.24%-3,214 bps
Return on Equity-0.61%5.49%5.79%4.42%-250%-24,912 bps
Net Interest Margin3.63%4.38%4.71%7.71%-8.03%-1,166 bps
Efficiency Ratio102.83%78.83%77.86%81.68%n/an/a
Growth
Asset Growth (YoY)-2.53%3.30%-2.81%-45.26%-62.47%-5,993 bps
Loan Growth (YoY)1.01%1.08%5.42%-46.31%-90.89%-9,190 bps
Share Growth (YoY)-3.08%3.74%-3.83%-55.15%-60.57%-5,749 bps
Asset Quality
Delinquent Loans / Loans8.69%10.10%8.82%16.76%40.23%+3,153 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.19%7.03%6.27%11.92%100.00%+9,381 bps
Capital
Risk-Based Capital16.95%16.92%18.01%31.99%12.91%-404 bps
Net Worth / Assets16.95%16.92%18.01%31.99%12.91%-404 bps
Liquidity & Funding
Loans / Shares44.07%38.18%45.43%51.08%10.19%-3,388 bps
Liquid Assets / Assets62.54%67.22%61.93%64.26%95.10%+3,256 bps