PackageTrendsPeer
Letter portraitLegal landscape

Catholic Community Credit Union

Salt Lake Cy, UT · Charter 67053

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

Catholic Community Credit Union

Salt Lake Cy, UT · Charter 67053

Q1 2003

$1.3MAssets
$600KLoans
$1.1MShares
$216KNet 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 -4.82%, down 582 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 8.24% of loans (-357 bps YoY).
  • Capital: net worth / assets of 16.20%, down 16 bps from a year ago.
  • Funding: loans stand at 53.22% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-4.82%-582 bps YoY

Net Interest Margin (YTD, annualized)

4.11%-108 bps YoY

Efficiency Ratio (YTD, annualized)

87.96%+2,832 bps YoY

Net Worth / Assets

16.20%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.00%0.03%-0.08%0.09%-4.82%-582 bps
Return on Equity6.12%0.17%-0.52%0.53%-29.74%-3,586 bps
Net Interest Margin5.19%3.88%3.82%4.04%4.11%-108 bps
Efficiency Ratio59.64%88.84%91.37%87.19%87.96%+2,832 bps
Growth
Asset Growth (YoY)-10.12%-7.00%-5.59%-7.50%-5.64%+448 bps
Loan Growth (YoY)7.33%-6.96%-16.35%-9.86%-16.17%-2,350 bps
Share Growth (YoY)-8.82%-4.37%-0.94%-6.87%-4.27%+455 bps
Asset Quality
Delinquent Loans / Loans11.81%7.97%12.48%13.60%8.24%-357 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.68%2.27%2.66%2.84%4.95%+28 bps
Capital
Risk-Based Capital16.37%16.24%16.30%17.30%16.20%-16 bps
Net Worth / Assets16.37%16.24%16.30%17.30%16.20%-16 bps
Liquidity & Funding
Loans / Shares60.78%49.33%47.39%52.56%53.22%-755 bps
Liquid Assets / Assets49.54%31.87%29.75%55.06%55.02%+548 bps