PackageTrendsPeer
Letter portraitLegal landscape

Samson Perfection Employees

Madison, OH · Charter 6526

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Samson Perfection Employees

Madison, OH · Charter 6526

Q1 2003

$459KAssets
$275KLoans
$393KShares
$66KNet 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 -2.29%, down 239 bps year over year; NIM at 5.45%.
  • Asset quality: problem loans at 0.00% of loans (-58 bps YoY).
  • Capital: net worth / assets of 14.48%, up 109 bps from a year ago.
  • Funding: loans stand at 70.08% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-2.29%-239 bps YoY

Net Interest Margin (YTD, annualized)

5.45%+67 bps YoY

Efficiency Ratio (YTD, annualized)

141.50%+3,322 bps YoY

Net Worth / Assets

14.48%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.10%-1.05%-1.11%-1.38%-2.29%-239 bps
Return on Equity0.73%-8.66%-8.80%-10.02%-15.83%-1,656 bps
Net Interest Margin4.78%3.87%4.16%4.55%5.45%+67 bps
Efficiency Ratio108.28%126.38%126.24%129.77%141.50%+3,322 bps
Growth
Asset Growth (YoY)13.60%11.20%14.68%-6.26%-19.16%-3,277 bps
Loan Growth (YoY)-20.54%-10.54%-4.38%14.14%-3.50%+1,704 bps
Share Growth (YoY)22.12%18.96%18.49%-5.89%-19.64%-4,176 bps
Asset Quality
Delinquent Loans / Loans0.58%0.41%0.00%0.00%0.00%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.20%0.77%1.79%1.81%+58 bps
Capital
Risk-Based Capital13.39%12.07%12.66%13.80%14.48%+109 bps
Net Worth / Assets13.39%12.07%12.66%13.80%14.48%+109 bps
Liquidity & Funding
Loans / Shares58.37%54.06%59.16%64.78%70.08%+1,172 bps
Liquid Assets / Assets39.74%42.95%46.93%43.25%39.10%-64 bps