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Suburban Family

Farmington, MI · Charter 62220

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

Suburban Family

Farmington, MI · Charter 62220

Q1 2005

$16.6MAssets
$8.9MLoans
$14.4MShares
$2.0MNet 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 -1.08%, down 98 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.23% of loans (-105 bps YoY).
  • Capital: net worth / assets of 12.19%, down 136 bps from a year ago.
  • Funding: loans stand at 61.63% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.08%-98 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-38 bps YoY

Efficiency Ratio (YTD, annualized)

121.41%+2,004 bps YoY

Net Worth / Assets

12.19%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.10%-0.38%-0.52%-0.65%-1.08%-98 bps
Return on Equity-0.74%-2.96%-4.06%-5.14%-8.87%-813 bps
Net Interest Margin4.01%3.80%3.87%3.84%3.63%-38 bps
Efficiency Ratio101.37%105.74%106.58%105.87%121.41%+2,004 bps
Growth
Asset Growth (YoY)-9.72%-2.80%-4.27%1.18%3.62%+1,334 bps
Loan Growth (YoY)1.38%-2.81%-4.64%-8.42%-10.73%-1,211 bps
Share Growth (YoY)-10.44%-2.40%-4.04%2.55%5.56%+1,601 bps
Asset Quality
Delinquent Loans / Loans1.28%1.31%0.62%0.37%0.23%-105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.04%0.21%0.39%0.30%+21 bps
Capital
Risk-Based Capital13.54%12.75%12.89%12.56%12.19%-136 bps
Net Worth / Assets13.54%12.75%12.89%12.56%12.19%-136 bps
Liquidity & Funding
Loans / Shares72.87%64.82%65.62%62.24%61.63%-1,125 bps
Liquid Assets / Assets16.38%24.07%23.08%32.85%33.37%+1,699 bps