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O. Ames Employees Credit Union

Parkersburg, WV · Charter 68115

Q3 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: Q3 2005, the quarter ended September 30, 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

O. Ames Employees Credit Union

Parkersburg, WV · Charter 68115

Q3 2005

$5.0MAssets
$404KLoans
$4.3MShares
$710KNet 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 0.12%, down 24 bps year over year; NIM at 1.33%.
  • Asset quality: problem loans at 17.17% of loans (+180 bps YoY).
  • Capital: net worth / assets of 14.12%, up 100 bps from a year ago.
  • Funding: loans stand at 9.36% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.12%-24 bps YoY

Net Interest Margin (YTD, annualized)

1.33%-9 bps YoY

Efficiency Ratio (YTD, annualized)

89.92%+2,224 bps YoY

Net Worth / Assets

14.12%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.36%0.44%-0.56%0.26%0.12%-24 bps
Return on Equity2.78%3.21%-4.09%1.70%0.87%-191 bps
Net Interest Margin1.42%1.39%0.44%1.20%1.33%-9 bps
Efficiency Ratio67.68%63.34%215%78.45%89.92%+2,224 bps
Growth
Asset Growth (YoY)-0.17%-0.44%-4.43%-12.11%-28.21%-2,805 bps
Loan Growth (YoY)-28.12%-27.28%-29.93%-34.49%-40.25%-1,213 bps
Share Growth (YoY)-0.73%-2.69%-5.16%-14.24%-29.03%-2,829 bps
Asset Quality
Delinquent Loans / Loans15.37%19.80%18.23%22.39%17.17%+180 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.57%7.87%8.21%9.64%11.21%+264 bps
Capital
Risk-Based Capital13.12%13.61%13.72%15.16%14.12%+100 bps
Net Worth / Assets13.12%13.61%13.72%15.16%14.12%+100 bps
Liquidity & Funding
Loans / Shares11.11%11.18%9.75%9.33%9.36%-176 bps
Liquid Assets / Assets27.78%24.41%14.70%14.33%11.91%-1,588 bps