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Glassworkers

Festus, MO · Charter 65311

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 2026-10-10

Glassworkers

Festus, MO · Charter 65311

Q4 2006

$4.8MAssets
$3.6MLoans
$4.2MShares
$630KNet 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 0.49%, up 23 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.13% of loans (-56 bps YoY).
  • Capital: net worth / assets of 13.04%, up 187 bps from a year ago.
  • Funding: loans stand at 85.98% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.49%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+41 bps YoY

Efficiency Ratio (YTD, annualized)

80.08%-1,095 bps YoY

Net Worth / Assets

13.04%+187 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.25%0.08%0.08%0.32%0.49%+23 bps
Return on Equity2.28%0.73%0.69%2.75%3.73%+144 bps
Net Interest Margin3.48%3.33%3.52%3.53%3.89%+41 bps
Efficiency Ratio91.04%95.51%93.48%89.11%80.08%-1,095 bps
Growth
Asset Growth (YoY)-1.72%0.49%-3.17%-2.65%-11.05%-934 bps
Loan Growth (YoY)21.40%14.75%2.41%-4.02%-3.74%-2,514 bps
Share Growth (YoY)-1.95%0.42%-3.71%-3.39%-12.80%-1,084 bps
Asset Quality
Delinquent Loans / Loans0.69%0.77%0.13%0.67%0.13%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.09%0.12%0.18%0.18%0.12%+3 bps
Capital
Risk-Based Capital11.17%10.78%11.31%11.45%13.04%+187 bps
Net Worth / Assets11.17%10.78%11.31%11.45%13.04%+187 bps
Liquidity & Funding
Loans / Shares77.89%77.03%82.26%78.75%85.98%+809 bps
Liquid Assets / Assets20.41%21.04%0.00%0.00%0.00%-2,041 bps