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Mattoon Community Credit Assoc

Mattoon, IL · Charter 65902

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

Mattoon Community Credit Assoc

Mattoon, IL · Charter 65902

Q1 2005

$183KAssets
$135KLoans
$126KShares
$57KNet 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 -0.76%, up 61 bps year over year; NIM at 6.74%.
  • Asset quality: problem loans at 35.07% of loans (+809 bps YoY).
  • Capital: net worth / assets of 31.05%, up 257 bps from a year ago.
  • Funding: loans stand at 107.88% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.76%+61 bps YoY

Net Interest Margin (YTD, annualized)

6.74%-117 bps YoY

Efficiency Ratio (YTD, annualized)

111.31%-600 bps YoY

Net Worth / Assets

31.05%+257 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-1.37%-0.54%-0.41%-1.04%-0.76%+61 bps
Return on Equity-4.82%-1.84%-1.36%-3.47%-2.46%+236 bps
Net Interest Margin7.91%7.90%8.22%8.30%6.74%-117 bps
Efficiency Ratio117.31%106.80%104.95%112.52%111.31%-600 bps
Growth
Asset Growth (YoY)-26.53%-26.75%-26.43%-14.44%-10.84%+1,569 bps
Loan Growth (YoY)-22.58%-12.30%-22.07%-16.88%-20.53%+205 bps
Share Growth (YoY)-33.25%-33.79%-33.50%-18.54%-14.13%+1,912 bps
Asset Quality
Delinquent Loans / Loans26.97%31.64%29.03%35.47%35.07%+809 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.10%1.91%2.09%2.86%3.47%+136 bps
Capital
Risk-Based Capital28.48%29.25%29.98%29.97%31.05%+257 bps
Net Worth / Assets28.48%29.25%29.98%29.97%31.05%+257 bps
Liquidity & Funding
Loans / Shares116.56%132.87%126.17%123.31%107.88%-868 bps
Liquid Assets / Assets6.69%4.87%5.01%5.52%5.78%-91 bps