North Wales, PA · Charter 10144
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
North Wales, PA · Charter 10144
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 0.95% | -0.62% | 0.00% | -0.01% | -123 bps | |
| Return on Equity | 13.99% | 11.13% | -7.03% | 0.00% | -0.11% | -1,410 bps | |
| Net Interest Margin | 2.86% | 2.66% | 3.18% | 3.06% | 3.02% | +16 bps | |
| Efficiency Ratio | 56.00% | 61.87% | 56.91% | 62.68% | 70.96% | +1,495 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.90% | 3.57% | -1.22% | -6.14% | -15.86% | -1,676 bps | |
| Loan Growth (YoY) | -4.40% | -4.68% | -8.29% | -10.12% | -7.21% | -281 bps | |
| Share Growth (YoY) | -0.19% | 2.69% | -1.63% | -7.02% | -17.48% | -1,729 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.46% | 16.45% | 16.58% | 82.29% | 17.84% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 2.21% | 0.96% | 1.12% | 1.14% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.56% | 8.75% | 9.20% | 10.42% | +171 bps | |
| Net Worth / Assets | 8.71% | 8.56% | 8.75% | 9.20% | 10.42% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.91% | 36.80% | 36.32% | 38.20% | 43.75% | +484 bps | |
| Liquid Assets / Assets | 23.31% | 19.69% | 15.19% | 8.17% | 14.06% | -925 bps | |