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F U S A

Clarinda, IA · Charter 64164

Q3 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: Q3 2005, the quarter ended September 30, 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

F U S A

Clarinda, IA · Charter 64164

Q3 2005

$54KAssets
$0KLoans
$38KShares
$15KNet 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 0.89%, up 1,307 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 100.00% of loans (+10,000 bps YoY).
  • Capital: net worth / assets of 28.35%, up 96 bps from a year ago.
  • Funding: loans stand at 0.68% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.89%+1,307 bps YoY

Net Interest Margin (YTD, annualized)

2.17%-47 bps YoY

Efficiency Ratio (YTD, annualized)

58.97%-3,110 bps YoY

Net Worth / Assets

28.35%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-12.19%-9.83%-0.75%0.78%0.89%+1,307 bps
Return on Equity-44.48%-35.52%-2.72%2.78%3.13%+4,761 bps
Net Interest Margin2.63%2.88%0.89%2.20%2.17%-47 bps
Efficiency Ratio90.06%108.55%184.75%64.46%58.97%-3,110 bps
Growth
Asset Growth (YoY)-6.60%-10.83%-10.07%-1.92%-1.72%+488 bps
Loan Growth (YoY)-60.73%-60.30%-77.33%-85.33%-96.67%-3,594 bps
Share Growth (YoY)3.35%-3.02%-1.64%-2.91%-2.91%-626 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%31.56%100.00%+10,000 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans17.26%22.43%33.92%107.19%571%+55,400 bps
Capital
Risk-Based Capital27.40%27.66%27.73%28.14%28.35%+96 bps
Net Worth / Assets27.40%27.66%27.73%28.14%28.35%+96 bps
Liquidity & Funding
Loans / Shares19.81%17.32%11.45%3.62%0.68%-1,913 bps
Liquid Assets / Assets87.06%0.00%0.00%0.00%0.00%-8,706 bps