Fort Buchanan, PR · Charter 8020
Q4 2005
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Buchanan, PR · Charter 8020
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.83% | 0.73% | 0.66% | -1.22% | -199 bps | |
| Return on Equity | 9.63% | 10.32% | 9.16% | 8.70% | -52.41% | -6,204 bps | |
| Net Interest Margin | 2.62% | 2.62% | 2.50% | 2.38% | 2.38% | -24 bps | |
| Efficiency Ratio | 63.27% | 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 / Loans | 1.99% | 1.97% | 2.59% | 1.43% | 0.65% | -135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.47% | 1.50% | 0.81% | 1.81% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.04% | 8.08% | 7.97% | 7.60% | 2.33% | -571 bps | |
| Net Worth / Assets | 8.04% | 8.08% | 7.97% | 7.60% | 2.33% | -571 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.67% | 49.29% | 47.33% | 44.04% | 42.72% | -796 bps | |
| Liquid Assets / Assets | 27.78% | 26.49% | 22.73% | 26.13% | 43.84% | +1,606 bps | |