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Fort Buchanan

Fort Buchanan, PR · Charter 8020

Q4 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: Q4 2005, the quarter ended December 31, 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 2026-10-10

Fort Buchanan

Fort Buchanan, PR · Charter 8020

Q4 2005

$91.7MAssets
$38.1MLoans
$89.1MShares
$2.1MNet 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 -1.22%, down 199 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.65% of loans (-135 bps YoY).
  • Capital: net worth / assets of 2.33%, down 571 bps from a year ago.
  • Funding: loans stand at 42.72% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.22%-199 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-24 bps YoY

Efficiency Ratio (YTD, annualized)

103.87%+4,060 bps YoY

Net Worth / Assets

2.33%-571 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.77%0.83%0.73%0.66%-1.22%-199 bps
Return on Equity9.63%10.32%9.16%8.70%-52.41%-6,204 bps
Net Interest Margin2.62%2.62%2.50%2.38%2.38%-24 bps
Efficiency Ratio63.27%59.61%61.62%63.20%103.87%+4,060 bps
Growth
Asset Growth (YoY)11.21%8.43%8.12%13.67%9.77%-144 bps
Loan Growth (YoY)-7.08%-3.48%-1.61%-0.84%-1.65%+543 bps
Share Growth (YoY)11.45%8.97%7.81%14.65%16.67%+521 bps
Asset Quality
Delinquent Loans / Loans1.99%1.97%2.59%1.43%0.65%-135 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.40%1.47%1.50%0.81%1.81%+41 bps
Capital
Risk-Based Capital8.04%8.08%7.97%7.60%2.33%-571 bps
Net Worth / Assets8.04%8.08%7.97%7.60%2.33%-571 bps
Liquidity & Funding
Loans / Shares50.67%49.29%47.33%44.04%42.72%-796 bps
Liquid Assets / Assets27.78%26.49%22.73%26.13%43.84%+1,606 bps