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Arizona Odd Fellows-Rebekah

Chandler, AZ · Charter 63506

Q1 2006

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 2006, the quarter ended March 31, 2006, 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

Arizona Odd Fellows-Rebekah

Chandler, AZ · Charter 63506

Q1 2006

$1.8MAssets
$1.3MLoans
$1.6MShares
$183KNet 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 -9.83%, down 1,234 bps year over year; NIM at 5.88%.
  • Asset quality: problem loans at 7.43% of loans (-973 bps YoY).
  • Capital: net worth / assets of 10.25%, down 202 bps from a year ago.
  • Funding: loans stand at 81.16% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-9.83%-1,234 bps YoY

Net Interest Margin (YTD, annualized)

5.88%-65 bps YoY

Efficiency Ratio (YTD, annualized)

77.81%+3,065 bps YoY

Net Worth / Assets

10.25%-202 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets2.52%-8.91%-4.67%-3.99%-9.83%-1,234 bps
Return on Equity20.50%-100.63%-43.76%-35.30%-95.91%-11,642 bps
Net Interest Margin6.53%6.23%6.82%6.60%5.88%-65 bps
Efficiency Ratio47.15%67.63%56.59%66.51%77.81%+3,065 bps
Growth
Asset Growth (YoY)-28.93%-35.50%-36.57%-33.08%-36.62%-769 bps
Loan Growth (YoY)-17.05%-23.23%-31.03%-32.53%-36.99%-1,994 bps
Share Growth (YoY)-32.52%-31.74%-33.47%-34.11%-35.21%-268 bps
Asset Quality
Delinquent Loans / Loans17.16%10.97%12.77%16.17%7.43%-973 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%4.81%3.81%5.02%5.66%+531 bps
Capital
Risk-Based Capital12.27%8.85%10.66%11.30%10.25%-202 bps
Net Worth / Assets12.27%8.85%10.66%11.30%10.25%-202 bps
Liquidity & Funding
Loans / Shares83.46%90.81%85.27%81.40%81.16%-230 bps
Liquid Assets / Assets6.65%18.13%24.13%27.77%28.61%+2,196 bps