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Klann Emp. Credit Union Inc.

Waynesboro, VA · Charter 66987

Q2 2011

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 2011, the quarter ended June 30, 2011, 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

Klann Emp. Credit Union Inc.

Waynesboro, VA · Charter 66987

Q2 2011

$90KAssets
$14KLoans
$40KShares
$50KNet 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 -9.15%, down 1,067 bps year over year; NIM at -3.15%.
  • Asset quality: problem loans at 0.00% of loans (-1,220 bps YoY).
  • Capital: net worth / assets of 55.38%, down 9 bps from a year ago.
  • Funding: loans stand at 34.44% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-9.15%-1,067 bps YoY

Net Interest Margin (YTD, annualized)

-3.15%-713 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

55.38%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets1.52%-36.13%2.52%1.14%-9.15%-1,067 bps
Return on Equity2.74%-71.36%4.91%2.01%-16.52%-1,926 bps
Net Interest Margin3.98%5.51%4.96%3.03%-3.15%-713 bps
Efficiency Ratio49.03%78.56%68.86%62.43%n/an/a
Growth
Asset Growth (YoY)1.84%-7.18%-6.07%-18.37%-18.97%-2,081 bps
Loan Growth (YoY)8.77%1.10%-21.84%-44.16%-70.20%-7,897 bps
Share Growth (YoY)-0.60%0.56%3.64%-20.11%-17.20%-1,660 bps
Asset Quality
Delinquent Loans / Loans12.20%0.00%0.00%19.96%0.00%-1,220 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.48%24.10%2.10%14.86%0.00%-148 bps
Capital
Risk-Based Capital55.47%50.63%51.32%56.57%55.38%-9 bps
Net Worth / Assets55.47%50.63%51.32%56.57%55.38%-9 bps
Liquidity & Funding
Loans / Shares95.70%84.79%64.67%54.77%34.44%-6,126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps