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Schools Plus Community

Hermiston, OR · Charter 68379

Q3 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: Q3 2007, the quarter ended September 30, 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

Schools Plus Community

Hermiston, OR · Charter 68379

Q3 2007

$46.9MAssets
$37.0MLoans
$39.9MShares
$6.3MNet 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 1.67%, up 16 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.90% of loans (+63 bps YoY).
  • Capital: net worth / assets of 13.53%, up 79 bps from a year ago.
  • Funding: loans stand at 92.79% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

1.67%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+11 bps YoY

Efficiency Ratio (YTD, annualized)

67.57%-501 bps YoY

Net Worth / Assets

13.53%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.51%1.49%0.93%1.34%1.67%+16 bps
Return on Equity11.83%11.32%7.30%10.39%12.33%+50 bps
Net Interest Margin3.95%4.20%3.85%4.38%4.06%+11 bps
Efficiency Ratio72.58%73.57%74.87%71.92%67.57%-501 bps
Growth
Asset Growth (YoY)5.55%6.26%4.23%6.46%6.62%+107 bps
Loan Growth (YoY)10.98%12.25%16.83%19.69%20.64%+966 bps
Share Growth (YoY)3.96%4.76%2.75%4.82%5.15%+119 bps
Asset Quality
Delinquent Loans / Loans0.27%0.68%0.29%0.25%0.90%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.60%0.63%0.62%0.56%-7 bps
Capital
Risk-Based Capital12.74%13.13%12.81%12.92%13.53%+79 bps
Net Worth / Assets12.74%13.13%12.81%12.92%13.53%+79 bps
Liquidity & Funding
Loans / Shares80.88%84.14%85.76%89.94%92.79%+1,192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps