PackageTrendsPeer
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Professional Assoc. of Clergy

Downers Grove, IL · Charter 64321

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

Professional Assoc. of Clergy

Downers Grove, IL · Charter 64321

Q3 2005

$224KAssets
$185KLoans
$203KShares
$20KNet 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 -11.17%, down 1,046 bps year over year; NIM at 6.31%.
  • Asset quality: problem loans at 10.38% of loans (+432 bps YoY).
  • Capital: net worth / assets of 8.88%, down 618 bps from a year ago.
  • Funding: loans stand at 90.89% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-11.17%-1,046 bps YoY

Net Interest Margin (YTD, annualized)

6.31%+126 bps YoY

Efficiency Ratio (YTD, annualized)

102.46%-1,145 bps YoY

Net Worth / Assets

8.88%-618 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.70%-0.35%-0.66%-16.55%-11.17%-1,046 bps
Return on Equity-4.68%-2.31%-4.22%-184.55%-125.70%-12,103 bps
Net Interest Margin5.05%5.43%5.49%6.52%6.31%+126 bps
Efficiency Ratio113.91%106.52%111.97%100.77%102.46%-1,145 bps
Growth
Asset Growth (YoY)-4.09%-2.55%-4.99%-12.95%-11.72%-763 bps
Loan Growth (YoY)-23.49%-8.52%-1.17%20.43%18.77%+4,227 bps
Share Growth (YoY)0.26%-2.61%-5.51%-6.56%-5.31%-557 bps
Asset Quality
Delinquent Loans / Loans6.07%4.15%4.90%2.35%10.38%+432 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.94%3.13%2.90%6.93%7.20%+326 bps
Capital
Risk-Based Capital15.06%15.37%15.64%8.97%8.88%-618 bps
Net Worth / Assets15.06%15.37%15.64%8.97%8.88%-618 bps
Liquidity & Funding
Loans / Shares72.46%73.17%81.39%94.43%90.89%+1,843 bps
Liquid Assets / Assets38.79%38.23%30.96%17.68%21.03%-1,776 bps