Salem, OR · Charter 12075
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Salem, OR · Charter 12075
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | -1.97% | 0.44% | 0.42% | 0.25% | -53 bps | |
| Return on Equity | 7.30% | -23.73% | 5.21% | 4.93% | 2.84% | -446 bps | |
| Net Interest Margin | 0.87% | -1.86% | 0.73% | 0.68% | 0.48% | -40 bps | |
| Efficiency Ratio | 19.29% | n/a | 20.51% | 25.51% | 37.64% | +1,835 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.65% | 2.60% | 1.79% | -1.05% | -4.64% | -1,129 bps | |
| Loan Growth (YoY) | -0.08% | -2.36% | -1.17% | -1.20% | -3.14% | -306 bps | |
| Share Growth (YoY) | 6.50% | 5.14% | 4.24% | 1.11% | -1.91% | -842 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.59% | 0.28% | 0.25% | 0.14% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.26% | 0.33% | 0.33% | 0.29% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 8.30% | 8.37% | 8.57% | 8.71% | -193 bps | |
| Net Worth / Assets | 10.64% | 8.30% | 8.37% | 8.57% | 8.71% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.68% | 25.92% | 25.69% | 26.60% | 26.35% | -33 bps | |
| Liquid Assets / Assets | 13.15% | 12.79% | 15.14% | 0.00% | 0.00% | -1,315 bps | |