PackageTrendsPeer
Letter portraitLegal landscape

Cedarapids Employees

Cedar Rapids, IA · Charter 65019

Q2 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: Q2 2005, the quarter ended June 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

Cedarapids Employees

Cedar Rapids, IA · Charter 65019

Q2 2005

$13.7MAssets
$11.4MLoans
$12.4MShares
$1.2MNet 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 -7.22%, down 717 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 3.86% of loans (+184 bps YoY).
  • Capital: net worth / assets of 8.86%, down 336 bps from a year ago.
  • Funding: loans stand at 92.30% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-7.22%-717 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+10 bps YoY

Efficiency Ratio (YTD, annualized)

98.18%+1,473 bps YoY

Net Worth / Assets

8.86%-336 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.05%-1.55%-1.64%0.02%-7.22%-717 bps
Return on Equity-0.37%-12.97%-14.32%0.13%-81.48%-8,111 bps
Net Interest Margin4.26%4.44%4.35%4.06%4.36%+10 bps
Efficiency Ratio83.45%85.78%87.97%99.68%98.18%+1,473 bps
Growth
Asset Growth (YoY)-12.92%-16.01%-10.83%-12.73%-14.11%-118 bps
Loan Growth (YoY)-10.95%-12.22%-6.89%-6.10%4.03%+1,498 bps
Share Growth (YoY)-14.56%-16.83%-10.71%-12.93%-10.95%+361 bps
Asset Quality
Delinquent Loans / Loans2.02%2.14%0.70%0.79%3.86%+184 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.61%0.64%0.75%5.04%+480 bps
Capital
Risk-Based Capital12.22%11.92%11.42%11.83%8.86%-336 bps
Net Worth / Assets12.22%11.92%11.42%11.83%8.86%-336 bps
Liquidity & Funding
Loans / Shares79.01%82.06%79.88%83.74%92.30%+1,329 bps
Liquid Assets / Assets13.33%10.80%14.25%11.53%3.85%-948 bps