PackageTrendsPeer
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Kentucky Conference

Lexington, KY · Charter 62625

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Kentucky Conference

Lexington, KY · Charter 62625

Q1 2008

$538KAssets
$425KLoans
$435KShares
$100KNet 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 -2.49%, down 149 bps year over year; NIM at 5.55%.
  • Asset quality: problem loans at 21.61% of loans (+1,489 bps YoY).
  • Capital: net worth / assets of 18.56%, up 323 bps from a year ago.
  • Funding: loans stand at 97.74% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-2.49%-149 bps YoY

Net Interest Margin (YTD, annualized)

5.55%+158 bps YoY

Efficiency Ratio (YTD, annualized)

96.94%-2,784 bps YoY

Net Worth / Assets

18.56%+323 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-1.00%-0.13%0.38%-0.18%-2.49%-149 bps
Return on Equity-6.54%-0.78%2.18%-1.07%-13.42%-688 bps
Net Interest Margin3.97%5.37%5.51%5.97%5.55%+158 bps
Efficiency Ratio124.78%96.03%92.19%99.40%96.94%-2,784 bps
Growth
Asset Growth (YoY)-24.01%-23.48%-19.55%-8.91%-13.47%+1,054 bps
Loan Growth (YoY)-16.87%-29.04%-17.34%2.28%-0.52%+1,634 bps
Share Growth (YoY)-27.83%-28.06%-23.40%-10.37%-16.28%+1,155 bps
Asset Quality
Delinquent Loans / Loans6.72%5.07%14.80%12.35%21.61%+1,489 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.26%0.31%0.46%0.00%-24 bps
Capital
Risk-Based Capital15.32%16.28%17.20%16.74%18.56%+323 bps
Net Worth / Assets15.32%16.28%17.20%16.74%18.56%+323 bps
Liquidity & Funding
Loans / Shares82.26%79.27%90.82%105.25%97.74%+1,548 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps