PackageTrendsPeer
Letter portraitLegal landscape

Imco Employees

Garland, TX · Charter 67614

Q1 2007

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 2007, the quarter ended March 31, 2007, 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

Imco Employees

Garland, TX · Charter 67614

Q1 2007

$601KAssets
$449KLoans
$569KShares
$27KNet 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 -1.71%, down 184 bps year over year; NIM at 5.83%.
  • Asset quality: problem loans at 31.75% of loans (+877 bps YoY).
  • Capital: net worth / assets of 4.53%, down 1,084 bps from a year ago.
  • Funding: loans stand at 78.84% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-1.71%-184 bps YoY

Net Interest Margin (YTD, annualized)

5.83%-352 bps YoY

Efficiency Ratio (YTD, annualized)

129.72%+6,147 bps YoY

Net Worth / Assets

4.53%-1,084 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.13%0.43%-14.45%-13.40%-1.71%-184 bps
Return on Equity0.85%2.74%-233%-282%-37.77%-3,862 bps
Net Interest Margin9.35%8.36%5.94%6.31%5.83%-352 bps
Efficiency Ratio68.25%67.22%101.43%99.21%129.72%+6,147 bps
Growth
Asset Growth (YoY)0.74%-1.08%-7.21%-12.75%-13.63%-1,438 bps
Loan Growth (YoY)-15.96%-16.61%-17.42%-17.80%-17.32%-137 bps
Share Growth (YoY)0.52%-2.71%2.61%-1.60%-3.12%-364 bps
Asset Quality
Delinquent Loans / Loans22.98%22.12%23.01%23.59%31.75%+877 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.00%2.67%12.50%9.60%10.98%+798 bps
Capital
Risk-Based Capital15.36%15.76%6.20%4.75%4.53%-1,084 bps
Net Worth / Assets15.36%15.76%6.20%4.75%4.53%-1,084 bps
Liquidity & Funding
Loans / Shares92.38%89.79%90.52%89.32%78.84%-1,354 bps
Liquid Assets / Assets18.96%0.00%0.00%0.00%0.00%-1,896 bps