Muscle Shoals, AL · Charter 1494
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.
Muscle Shoals, AL · Charter 1494
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 | 0.88% | 0.98% | 1.00% | 1.03% | 1.16% | +28 bps | |
| Return on Equity | 7.01% | 7.70% | 7.77% | 7.97% | 8.64% | +163 bps | |
| Net Interest Margin | 2.79% | 2.80% | 2.79% | 2.85% | 2.91% | +12 bps | |
| Efficiency Ratio | 64.33% | 64.22% | 64.85% | 64.66% | 63.35% | -98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | 6.58% | 6.03% | 3.28% | 1.90% | -276 bps | |
| Loan Growth (YoY) | 26.55% | 27.57% | 27.22% | 17.04% | 7.64% | -1,890 bps | |
| Share Growth (YoY) | 4.16% | 5.93% | 5.71% | 2.45% | 0.95% | -321 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.48% | 1.53% | 1.73% | 1.83% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.51% | 0.45% | 0.44% | 0.40% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.52% | 12.76% | 12.88% | 12.98% | 13.42% | +90 bps | |
| Net Worth / Assets | 12.52% | 12.76% | 12.88% | 12.98% | 13.42% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.04% | 56.64% | 56.43% | 56.18% | 58.69% | +365 bps | |
| Liquid Assets / Assets | 12.30% | 12.01% | 14.63% | 13.24% | 0.00% | -1,230 bps | |