PackageTrendsPeer
Letter portraitLegal landscape

Monroe County and Municipalities

Monroe, MI · Charter 62192

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

Monroe County and Municipalities

Monroe, MI · Charter 62192

Q3 2005

$2.0MAssets
$1.7MLoans
$1.5MShares
$488KNet 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 -5.56%, down 553 bps year over year; NIM at 5.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 23.92%, up 471 bps from a year ago.
  • Funding: loans stand at 112.01% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-5.56%-553 bps YoY

Net Interest Margin (YTD, annualized)

5.32%+132 bps YoY

Efficiency Ratio (YTD, annualized)

199.56%+9,886 bps YoY

Net Worth / Assets

23.92%+471 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.03%-0.04%-0.39%-0.37%-5.56%-553 bps
Return on Equity-0.15%-0.18%-1.77%-1.61%-23.25%-2,309 bps
Net Interest Margin4.00%4.43%4.34%4.55%5.32%+132 bps
Efficiency Ratio100.70%100.81%108.64%107.84%199.56%+9,886 bps
Growth
Asset Growth (YoY)15.10%-1.05%-11.02%-15.18%-31.67%-4,677 bps
Loan Growth (YoY)9.90%19.52%6.53%-0.22%4.02%-588 bps
Share Growth (YoY)19.46%-1.15%-13.61%-18.82%-35.84%-5,531 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.41%0.42%0.42%0.40%-2 bps
Capital
Risk-Based Capital19.21%21.49%22.31%23.18%23.92%+471 bps
Net Worth / Assets19.21%21.49%22.31%23.18%23.92%+471 bps
Liquidity & Funding
Loans / Shares69.09%80.92%83.10%88.33%112.01%+4,293 bps
Liquid Assets / Assets32.75%19.97%25.98%22.45%3.31%-2,943 bps