PackageTrendsPeer
Letter portraitLegal landscape

Leblanc Employees

Kenosha, WI · Charter 67217

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

Leblanc Employees

Kenosha, WI · Charter 67217

Q1 2005

$269KAssets
$78KLoans
$209KShares
$59KNet 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 1.29%, up 122 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (-373 bps YoY).
  • Capital: net worth / assets of 22.01%, up 536 bps from a year ago.
  • Funding: loans stand at 37.09% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.29%+122 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-1,203 bps YoY

Efficiency Ratio (YTD, annualized)

62.89%-3,665 bps YoY

Net Worth / Assets

22.01%+536 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.07%-0.35%-0.12%0.15%1.29%+122 bps
Return on Equity0.43%-2.15%-0.85%1.01%5.87%+544 bps
Net Interest Margin15.51%2.54%2.34%2.59%3.48%-1,203 bps
Efficiency Ratio99.54%113.66%105.02%94.38%62.89%-3,665 bps
Growth
Asset Growth (YoY)-14.87%-17.45%-10.27%-4.69%-22.21%-734 bps
Loan Growth (YoY)-25.98%20.80%424%515%39.94%+6,592 bps
Share Growth (YoY)-17.08%-19.80%-30.11%-26.28%-27.01%-993 bps
Asset Quality
Delinquent Loans / Loans3.73%2.37%0.70%0.00%0.00%-373 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans37.85%24.03%7.06%6.68%24.39%-1,347 bps
Capital
Risk-Based Capital16.66%16.15%13.75%14.43%22.01%+536 bps
Net Worth / Assets16.66%16.15%13.75%14.43%22.01%+536 bps
Liquidity & Funding
Loans / Shares19.34%29.58%105.01%105.37%37.09%+1,774 bps
Liquid Assets / Assets88.00%78.89%31.90%32.65%74.94%-1,306 bps