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CSR America

W. Palm Beach, FL · Charter 67704

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 2026-10-11

CSR America

W. Palm Beach, FL · Charter 67704

Q1 2007

$5.1MAssets
$2.4MLoans
$3.7MShares
$1.3MNet 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 -10.53%, down 1,219 bps year over year; NIM at 5.04%.
  • Asset quality: problem loans at 2.60% of loans (+218 bps YoY).
  • Capital: net worth / assets of 24.55%, up 220 bps from a year ago.
  • Funding: loans stand at 64.16% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-10.53%-1,219 bps YoY

Net Interest Margin (YTD, annualized)

5.04%-32 bps YoY

Efficiency Ratio (YTD, annualized)

259%+18,355 bps YoY

Net Worth / Assets

24.55%+220 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets1.66%1.53%1.20%0.77%-10.53%-1,219 bps
Return on Equity7.45%6.76%4.94%2.93%-42.87%-5,032 bps
Net Interest Margin5.36%5.21%5.56%6.04%5.04%-32 bps
Efficiency Ratio75.11%76.17%81.68%87.25%259%+18,355 bps
Growth
Asset Growth (YoY)1.17%-5.83%-9.01%-11.27%-16.89%-1,806 bps
Loan Growth (YoY)6.68%6.12%12.93%0.38%-5.65%-1,233 bps
Share Growth (YoY)-0.85%-9.11%-12.86%-15.60%-20.73%-1,987 bps
Asset Quality
Delinquent Loans / Loans0.42%1.21%0.00%2.79%2.60%+218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.72%0.82%0.86%0.87%+23 bps
Capital
Risk-Based Capital22.35%22.64%24.32%26.31%24.55%+220 bps
Net Worth / Assets22.35%22.64%24.32%26.31%24.55%+220 bps
Liquidity & Funding
Loans / Shares53.91%52.18%59.25%63.64%64.16%+1,025 bps
Liquid Assets / Assets38.85%0.00%0.00%0.00%0.00%-3,885 bps