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St. Francis Desales

Waterville, ME · Charter 11289

Q3 2006

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: Q3 2006, the quarter ended September 30, 2006, 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

St. Francis Desales

Waterville, ME · Charter 11289

Q3 2006

$24.6MAssets
$13.3MLoans
$21.0MShares
$3.4MNet 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 0.26%, down 48 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.06% of loans (-43 bps YoY).
  • Capital: net worth / assets of 13.86%, up 47 bps from a year ago.
  • Funding: loans stand at 63.30% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.26%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-48 bps YoY

Efficiency Ratio (YTD, annualized)

93.52%+1,379 bps YoY

Net Worth / Assets

13.86%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.74%0.78%0.84%1.02%0.26%-48 bps
Return on Equity5.55%5.74%6.34%7.44%1.90%-365 bps
Net Interest Margin3.74%3.80%3.66%3.89%3.26%-48 bps
Efficiency Ratio79.73%78.79%81.26%78.18%93.52%+1,379 bps
Growth
Asset Growth (YoY)0.64%0.21%2.41%1.55%-0.36%-99 bps
Loan Growth (YoY)6.58%0.66%7.59%12.41%10.22%+364 bps
Share Growth (YoY)0.07%-0.90%1.16%0.87%-1.04%-111 bps
Asset Quality
Delinquent Loans / Loans0.49%0.41%0.11%0.09%0.06%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.21%0.25%0.20%0.19%0.18%-4 bps
Capital
Risk-Based Capital13.39%13.68%13.24%13.76%13.86%+47 bps
Net Worth / Assets13.39%13.68%13.24%13.76%13.86%+47 bps
Liquidity & Funding
Loans / Shares56.83%56.74%57.18%60.63%63.30%+647 bps
Liquid Assets / Assets30.05%30.85%33.94%0.00%0.00%-3,005 bps