PackageTrendsPeer
Letter portraitLegal landscape

Oxychem Employees

Muscle Shoals, AL · Charter 64595

Q4 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: Q4 2006, the quarter ended December 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

Oxychem Employees

Muscle Shoals, AL · Charter 64595

Q4 2006

$3.3MAssets
$1.2MLoans
$2.8MShares
$466KNet 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 -5.71%, down 598 bps year over year; NIM at -3.32%.
  • Asset quality: problem loans at 1.27% of loans (+4 bps YoY).
  • Capital: net worth / assets of 14.28%, down 9 bps from a year ago.
  • Funding: loans stand at 42.74% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-5.71%-598 bps YoY

Net Interest Margin (YTD, annualized)

-3.32%-522 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.28%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.27%0.07%0.16%-0.19%-5.71%-598 bps
Return on Equity1.86%0.46%0.92%-0.97%-40.00%-4,186 bps
Net Interest Margin1.89%1.95%2.18%2.19%-3.32%-522 bps
Efficiency Ratio85.98%96.27%92.79%108.65%n/an/a
Growth
Asset Growth (YoY)3.31%-7.59%-15.20%-26.26%-28.11%-3,141 bps
Loan Growth (YoY)-5.29%-7.69%-17.59%-18.27%-11.27%-598 bps
Share Growth (YoY)3.61%-9.22%-17.92%-30.85%-28.00%-3,161 bps
Asset Quality
Delinquent Loans / Loans1.23%0.00%0.00%0.00%1.27%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.14%1.20%1.21%1.21%+14 bps
Capital
Risk-Based Capital14.37%15.92%17.10%19.67%14.28%-9 bps
Net Worth / Assets14.37%15.92%17.10%19.67%14.28%-9 bps
Liquidity & Funding
Loans / Shares34.68%37.06%37.96%45.71%42.74%+806 bps
Liquid Assets / Assets27.45%9.49%0.00%0.00%0.00%-2,745 bps