PackageTrendsPeer
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Equiowa

Des Moines, IA · Charter 64988

Q1 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: Q1 2005, the quarter ended March 31, 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

Equiowa

Des Moines, IA · Charter 64988

Q1 2005

$1.6MAssets
$647KLoans
$1.4MShares
$230KNet 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 -7.15%, down 350 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (-704 bps YoY).
  • Capital: net worth / assets of 14.06%, up 298 bps from a year ago.
  • Funding: loans stand at 46.12% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-7.15%-350 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+66 bps YoY

Efficiency Ratio (YTD, annualized)

80.13%+288 bps YoY

Net Worth / Assets

14.06%+298 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-3.65%-2.93%-1.80%-1.45%-7.15%-350 bps
Return on Equity-32.94%-26.08%-15.79%-12.35%-50.87%-1,792 bps
Net Interest Margin2.80%3.10%2.91%3.17%3.46%+66 bps
Efficiency Ratio77.25%57.37%64.15%59.77%80.13%+288 bps
Growth
Asset Growth (YoY)-3.00%-9.39%-10.70%-9.17%-27.53%-2,453 bps
Loan Growth (YoY)-1.09%-20.08%-9.48%-11.06%-17.22%-1,613 bps
Share Growth (YoY)-2.42%-8.92%-11.25%-9.69%-29.93%-2,752 bps
Asset Quality
Delinquent Loans / Loans7.04%12.77%10.44%10.99%0.00%-704 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.67%2.68%2.53%3.99%1.35%-132 bps
Capital
Risk-Based Capital11.08%11.25%11.40%11.75%14.06%+298 bps
Net Worth / Assets11.08%11.25%11.40%11.75%14.06%+298 bps
Liquidity & Funding
Loans / Shares39.04%39.79%43.13%43.67%46.12%+708 bps
Liquid Assets / Assets29.51%24.34%38.26%29.66%44.12%+1,461 bps