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Ryder Co-op

Ryder, ND · Charter 64045

Q4 2007

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 2007, the quarter ended December 31, 2007, 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

Ryder Co-op

Ryder, ND · Charter 64045

Q4 2007

$599KAssets
$199KLoans
$540KShares
$57KNet Worth

Executive Summary

  • Earnings: ROA of -6.43%, down 647 bps year over year; NIM at -3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.54%, down 661 bps from a year ago.
  • Funding: loans stand at 36.90% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-6.43%-647 bps YoY

Net Interest Margin (YTD, annualized)

-3.49%-633 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.54%-661 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.37%0.44%0.67%0.05%0.93%0.91%0.69%-6.43%-647 bps
Return on Equity2.11%2.69%3.93%0.31%5.91%5.65%4.19%-67.34%-6,764 bps
Net Interest Margin3.45%3.28%3.56%2.84%3.57%3.68%3.80%-3.49%-633 bps
Efficiency Ratio89.85%87.15%81.91%98.34%75.88%76.56%82.66%n/an/a
Growth
Asset Growth (YoY)9.10%17.03%7.96%9.64%12.90%3.03%3.52%1.18%-846 bps
Loan Growth (YoY)-21.03%-19.44%-15.88%-9.85%-8.26%-0.30%-4.25%0.19%+1,004 bps
Share Growth (YoY)11.38%20.63%8.92%11.64%15.19%3.06%3.86%9.17%-246 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.01%3.86%3.84%4.12%4.37%3.87%4.01%4.11%-1 bps
Capital
Risk-Based Capital17.60%16.34%17.05%16.15%15.79%16.15%16.55%9.54%-661 bps
Net Worth / Assets17.60%16.34%17.05%16.15%15.79%16.15%16.55%9.54%-661 bps
Liquidity & Funding
Loans / Shares45.74%43.24%45.02%40.21%36.43%41.83%41.50%36.90%-331 bps
Liquid Assets / Assets61.31%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps