Toledo, OH · Charter 10765
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Toledo, OH · Charter 10765
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | 0.11% | 0.17% | -0.09% | -21.10% | -2,092 bps | |
| Return on Equity | -1.01% | 0.59% | 0.87% | -0.46% | -197.12% | -19,611 bps | |
| Net Interest Margin | 3.26% | 3.32% | 3.35% | 3.54% | -12.41% | -1,567 bps | |
| Efficiency Ratio | 78.36% | 77.54% | 78.14% | 72.81% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -18.74% | -14.63% | -14.37% | -14.85% | -14.05% | +469 bps | |
| Loan Growth (YoY) | -4.33% | 5.35% | 4.58% | -0.43% | -5.54% | -121 bps | |
| Share Growth (YoY) | -22.17% | -17.34% | -17.36% | -18.27% | -6.70% | +1,548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.56% | 3.54% | 2.66% | 3.73% | 4.47% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.41% | 1.41% | 1.40% | 4.71% | +328 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.02% | 18.76% | 19.39% | 20.08% | 10.70% | -731 bps | |
| Net Worth / Assets | 18.02% | 18.76% | 19.39% | 20.08% | 10.70% | -731 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.96% | 47.09% | 48.65% | 48.23% | 44.51% | +55 bps | |
| Liquid Assets / Assets | 21.59% | 20.56% | 24.39% | 24.98% | 0.00% | -2,159 bps | |