PackageTrendsPeer
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Columbus Federal Employees

Columbus, OH · Charter 95002

Q1 2007

$4.7MAssets
$3.2MLoans
$4.1MShares
$630KNet 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 -0.70%, down 73 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.86% of loans (+55 bps YoY).
  • Capital: net worth / assets of 13.29%, up 184 bps from a year ago.
  • Funding: loans stand at 78.62% of shares as of Q1 2007.

Financial Results

Return on Assets (quarter, annualized)

-0.70%-73 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+23 bps YoY

Efficiency Ratio (quarter, annualized)

115.48%+1,600 bps YoY

Net Worth / Assets

13.29%+184 bps YoY

Discrete quarter, annualized.

MetricQ4 2003Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.02%-0.97%-0.82%-1.03%-0.70%-73 bps
Return on Equity0.19%-7.08%-6.24%-7.49%-5.29%-548 bps
Net Interest Margin3.66%4.02%3.72%3.95%3.89%+23 bps
Efficiency Ratio99.48%101.56%105.55%112.19%115.48%+1,600 bps
Growth
Asset Growth (YoY)n/an/an/an/a-23.36%n/an/a
Loan Growth (YoY)n/an/an/an/a-8.36%n/an/a
Share Growth (YoY)n/an/an/an/a-25.29%n/an/a
Asset Quality
Delinquent Loans / Loans0.31%0.90%0.24%0.35%0.86%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.04%0.80%0.42%0.33%0.23%+19 bps
Capital
Risk-Based Capital11.44%13.69%13.19%13.74%13.29%+184 bps
Net Worth / Assets11.44%13.69%13.19%13.74%13.29%+184 bps
Liquidity & Funding
Loans / Shares64.09%98.82%94.39%91.00%78.62%+1,452 bps
Liquid Assets / Assets40.64%0.00%0.00%0.00%0.00%-4,064 bps