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KCC Credit Union

Boyertown, PA · Charter 63037

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

KCC Credit Union

Boyertown, PA · Charter 63037

Q4 2005

$1.4MAssets
$646KLoans
$860KShares
$492KNet 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 -3.87%, down 513 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 11.43% of loans (+926 bps YoY).
  • Capital: net worth / assets of 36.04%, up 1,334 bps from a year ago.
  • Funding: loans stand at 75.12% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-3.87%-513 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+108 bps YoY

Efficiency Ratio (YTD, annualized)

104.69%+3,298 bps YoY

Net Worth / Assets

36.04%+1,334 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.25%0.81%0.92%1.05%-3.87%-513 bps
Return on Equity5.52%3.53%3.73%3.63%-10.75%-1,627 bps
Net Interest Margin3.47%3.39%3.48%4.03%4.55%+108 bps
Efficiency Ratio71.72%76.09%73.70%74.04%104.69%+3,298 bps
Growth
Asset Growth (YoY)3.06%-2.29%-6.96%-19.75%-43.13%-4,619 bps
Loan Growth (YoY)-10.60%-5.92%-13.35%-15.43%-24.33%-1,373 bps
Share Growth (YoY)2.26%-4.61%-10.44%-26.66%-53.25%-5,551 bps
Asset Quality
Delinquent Loans / Loans2.17%3.19%1.92%0.58%11.43%+926 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.50%1.54%1.66%9.70%+825 bps
Capital
Risk-Based Capital22.70%22.94%24.54%28.83%36.04%+1,334 bps
Net Worth / Assets22.70%22.94%24.54%28.83%36.04%+1,334 bps
Liquidity & Funding
Loans / Shares46.41%45.09%48.57%55.62%75.12%+2,871 bps
Liquid Assets / Assets29.01%31.62%20.91%15.85%31.97%+297 bps