PackageTrendsPeer
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Washington Ind. St. Mary's Parish

Washington, IN · Charter 8622

Q2 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: Q2 2005, the quarter ended June 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

Washington Ind. St. Mary's Parish

Washington, IN · Charter 8622

Q2 2005

$177KAssets
$88KLoans
$158KShares
$19KNet 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 -0.53%, up 256 bps year over year; NIM at 6.24%.
  • Asset quality: problem loans at 24.45% of loans (+1,772 bps YoY).
  • Capital: net worth / assets of 10.67%, down 51 bps from a year ago.
  • Funding: loans stand at 55.83% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.53%+256 bps YoY

Net Interest Margin (YTD, annualized)

6.24%-134 bps YoY

Efficiency Ratio (YTD, annualized)

108.42%+1,786 bps YoY

Net Worth / Assets

10.67%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-3.09%-1.71%-1.67%-0.60%-0.53%+256 bps
Return on Equity-27.63%-14.80%-14.84%-5.44%-4.92%+2,270 bps
Net Interest Margin7.58%7.63%5.80%6.37%6.24%-134 bps
Efficiency Ratio90.56%88.86%128.75%109.41%108.42%+1,786 bps
Growth
Asset Growth (YoY)-10.36%-8.68%-2.51%-0.69%1.31%+1,167 bps
Loan Growth (YoY)-19.87%-20.66%-14.71%-12.85%-23.69%-382 bps
Share Growth (YoY)-9.15%-7.10%-1.01%-0.53%1.89%+1,104 bps
Asset Quality
Delinquent Loans / Loans6.73%7.52%6.94%19.20%24.45%+1,772 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.37%4.37%0.58%0.61%0.69%-369 bps
Capital
Risk-Based Capital11.18%11.56%11.24%11.02%10.67%-51 bps
Net Worth / Assets11.18%11.56%11.24%11.02%10.67%-51 bps
Liquidity & Funding
Loans / Shares74.55%75.62%68.35%64.21%55.83%-1,871 bps
Liquid Assets / Assets34.16%33.69%37.66%41.53%48.86%+1,470 bps