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Interstate Gas

Colorado Sprg, CO · Charter 64102

Q1 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: Q1 2007, the quarter ended March 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

Interstate Gas

Colorado Sprg, CO · Charter 64102

Q1 2007

$7.6MAssets
$3.3MLoans
$6.8MShares
$726KNet 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 -11.76%, down 935 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.31% of loans (-43 bps YoY).
  • Capital: net worth / assets of 9.52%, down 166 bps from a year ago.
  • Funding: loans stand at 48.02% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-11.76%-935 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+34 bps YoY

Efficiency Ratio (YTD, annualized)

151.92%+3,509 bps YoY

Net Worth / Assets

9.52%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets-2.40%-1.48%0.76%-0.68%-11.76%-935 bps
Return on Equity-21.49%-13.11%6.00%-5.81%-123.49%-10,200 bps
Net Interest Margin4.11%4.21%4.25%4.35%4.45%+34 bps
Efficiency Ratio116.83%109.85%108.39%128.53%151.92%+3,509 bps
Growth
Asset Growth (YoY)-9.25%-11.10%-7.03%-9.33%-10.62%-137 bps
Loan Growth (YoY)-28.53%-31.53%-28.39%-23.04%-23.10%+543 bps
Share Growth (YoY)-8.85%-11.03%-8.25%-10.24%-9.35%-50 bps
Asset Quality
Delinquent Loans / Loans0.74%3.60%0.40%0.47%0.31%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.54%1.67%1.46%2.21%7.72%+618 bps
Capital
Risk-Based Capital11.18%11.30%12.67%11.73%9.52%-166 bps
Net Worth / Assets11.18%11.30%12.67%11.73%9.52%-166 bps
Liquidity & Funding
Loans / Shares56.61%51.84%49.93%49.17%48.02%-859 bps
Liquid Assets / Assets28.63%0.00%0.00%0.00%0.00%-2,863 bps