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Neighbor's

Worth, IL · Charter 63284

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

Neighbor's

Worth, IL · Charter 63284

Q4 2005

$515KAssets
$86KLoans
$427KShares
$88KNet 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 -1.16%, down 75 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (-1,492 bps YoY).
  • Capital: net worth / assets of 17.15%, up 207 bps from a year ago.
  • Funding: loans stand at 20.23% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.16%-75 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+51 bps YoY

Efficiency Ratio (YTD, annualized)

144.04%+2,454 bps YoY

Net Worth / Assets

17.15%+207 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.41%-0.58%0.14%-0.52%-1.16%-75 bps
Return on Equity-2.69%-4.62%0.91%-3.29%-6.74%-405 bps
Net Interest Margin1.99%2.27%2.92%2.34%2.50%+51 bps
Efficiency Ratio119.50%122.16%95.42%120.34%144.04%+2,454 bps
Growth
Asset Growth (YoY)-0.65%-2.99%-6.91%-11.16%-17.60%-1,695 bps
Loan Growth (YoY)-24.37%-34.50%-40.76%-35.05%-42.17%-1,780 bps
Share Growth (YoY)-1.46%-3.85%-8.48%-12.17%-19.60%-1,815 bps
Asset Quality
Delinquent Loans / Loans14.92%16.81%26.03%0.00%0.00%-1,492 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans20.17%24.83%28.89%30.04%34.88%+1,471 bps
Capital
Risk-Based Capital15.08%12.48%15.49%15.64%17.15%+207 bps
Net Worth / Assets15.08%12.48%15.49%15.64%17.15%+207 bps
Liquidity & Funding
Loans / Shares28.12%22.68%20.17%20.20%20.23%-789 bps
Liquid Assets / Assets78.57%82.96%85.58%40.69%32.94%-4,563 bps