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Menorah

Lyndhurst, OH · Charter 15155

Q2 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: 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.

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

Menorah

Lyndhurst, OH · Charter 15155

Q2 2006

$399KAssets
$187KLoans
$361KShares
$38KNet 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 -1.96%, down 161 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 11.39% of loans (+337 bps YoY).
  • Capital: net worth / assets of 9.48%, up 92 bps from a year ago.
  • Funding: loans stand at 51.83% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.96%-161 bps YoY

Net Interest Margin (YTD, annualized)

0.27%-363 bps YoY

Efficiency Ratio (YTD, annualized)

823%+72,659 bps YoY

Net Worth / Assets

9.48%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets-0.35%-0.78%-0.40%0.56%-1.96%-161 bps
Return on Equity-4.11%-9.30%-3.98%5.35%-20.71%-1,660 bps
Net Interest Margin3.90%3.69%4.28%3.12%0.27%-363 bps
Efficiency Ratio96.10%110.59%110.13%144.74%823%+72,659 bps
Growth
Asset Growth (YoY)-14.88%-11.65%-22.82%-22.64%-19.22%-434 bps
Loan Growth (YoY)-22.82%-31.03%-21.84%-22.20%-48.01%-2,519 bps
Share Growth (YoY)-15.18%-11.72%-24.52%-24.27%-19.65%-447 bps
Asset Quality
Delinquent Loans / Loans8.02%12.45%2.44%1.89%11.39%+337 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.20%2.59%1.90%2.47%4.12%+192 bps
Capital
Risk-Based Capital8.55%8.35%10.07%10.37%9.48%+92 bps
Net Worth / Assets8.55%8.35%10.07%10.37%9.48%+92 bps
Liquidity & Funding
Loans / Shares80.10%70.15%89.80%84.23%51.83%-2,827 bps
Liquid Assets / Assets23.01%32.16%15.29%21.41%0.00%-2,301 bps