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Hunt Columbus

Dearborn Hgts, MI · Charter 6961

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Hunt Columbus

Dearborn Hgts, MI · Charter 6961

Q1 2008

$407KAssets
$178KLoans
$333KShares
$74KNet 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 -14.09%, down 1,437 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 19.78% of loans (-1,530 bps YoY).
  • Capital: net worth / assets of 18.12%, down 400 bps from a year ago.
  • Funding: loans stand at 53.36% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-14.09%-1,437 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+104 bps YoY

Efficiency Ratio (YTD, annualized)

86.00%+311 bps YoY

Net Worth / Assets

18.12%-400 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.28%0.10%0.05%-5.17%-14.09%-1,437 bps
Return on Equity1.25%0.42%0.19%-22.89%-77.79%-7,904 bps
Net Interest Margin3.60%4.06%3.88%2.98%4.64%+104 bps
Efficiency Ratio82.89%80.40%77.11%98.98%86.00%+311 bps
Growth
Asset Growth (YoY)-11.52%-12.98%-12.90%-24.00%-30.97%-1,946 bps
Loan Growth (YoY)-19.85%-20.52%-17.34%-18.97%-27.16%-731 bps
Share Growth (YoY)-16.45%-18.26%-16.57%-26.78%-25.59%-915 bps
Asset Quality
Delinquent Loans / Loans35.08%33.27%16.95%9.03%19.78%-1,530 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%1.50%2.15%2.28%12.52%+1,186 bps
Capital
Risk-Based Capital22.12%22.79%23.79%22.58%18.12%-400 bps
Net Worth / Assets22.12%22.79%23.79%22.58%18.12%-400 bps
Liquidity & Funding
Loans / Shares54.51%48.71%52.43%54.66%53.36%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps