PackageTrendsPeer
Letter portraitLegal landscape

Behr Employees

Rockford, IL · Charter 65946

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Behr Employees

Rockford, IL · Charter 65946

Q4 2002

$66KAssets
$14KLoans
$62KShares
$4KNet 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 0.00%, down 304 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 1.65% of loans (+165 bps YoY).
  • Capital: net worth / assets of 6.78%, down 5,627 bps from a year ago.
  • Funding: loans stand at 22.68% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.00%-304 bps YoY

Net Interest Margin (YTD, annualized)

2.49%-441 bps YoY

Efficiency Ratio (YTD, annualized)

100.00%+4,275 bps YoY

Net Worth / Assets

6.78%-5,627 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets3.04%1.50%0.88%1.37%0.00%-304 bps
Return on Equity4.83%2.13%1.31%2.03%0.00%-483 bps
Net Interest Margin6.90%5.93%4.57%4.77%2.49%-441 bps
Efficiency Ratio57.25%75.30%83.24%73.64%100.00%+4,275 bps
Growth
Asset Growth (YoY)-30.38%-30.56%-21.69%-20.47%79.46%+10,984 bps
Loan Growth (YoY)-32.74%-57.54%-42.79%-26.07%-22.29%+1,045 bps
Share Growth (YoY)-56.67%-64.59%-50.83%-49.50%401%+45,727 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%1.65%+165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.96%5.00%3.52%3.22%32.82%+2,986 bps
Capital
Risk-Based Capital63.05%70.36%67.12%67.51%6.78%-5,627 bps
Net Worth / Assets63.05%70.36%67.12%67.51%6.78%-5,627 bps
Liquidity & Funding
Loans / Shares146.13%125.94%150.80%165.01%22.68%-12,345 bps
Liquid Assets / Assets50.71%67.14%55.95%52.40%9.18%-4,153 bps