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Manpoe

Manchester, CT · Charter 16765

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Manpoe

Manchester, CT · Charter 16765

Q2 2008

$1.1MAssets
$928KLoans
$791KShares
$259KNet 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 -3.17%, down 91 bps year over year; NIM at 8.23%.
  • Asset quality: problem loans at 3.36% of loans (-116 bps YoY).
  • Capital: net worth / assets of 24.21%, up 190 bps from a year ago.
  • Funding: loans stand at 117.26% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-3.17%-91 bps YoY

Net Interest Margin (YTD, annualized)

8.23%+1 bps YoY

Efficiency Ratio (YTD, annualized)

119.88%+1,729 bps YoY

Net Worth / Assets

24.21%+190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-2.26%-4.70%-3.99%-6.55%-3.17%-91 bps
Return on Equity-10.12%-19.33%-16.71%-28.26%-13.09%-298 bps
Net Interest Margin8.22%9.50%9.13%10.00%8.23%+1 bps
Efficiency Ratio102.58%117.74%115.05%135.84%119.88%+1,729 bps
Growth
Asset Growth (YoY)-7.60%-23.13%-17.85%-20.38%-22.16%-1,456 bps
Loan Growth (YoY)-15.20%-22.02%-20.96%-17.30%-19.65%-445 bps
Share Growth (YoY)-3.62%-20.14%-19.30%-22.12%-25.21%-2,158 bps
Asset Quality
Delinquent Loans / Loans4.52%5.75%4.31%6.56%3.36%-116 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%2.58%2.00%3.04%0.00%-127 bps
Capital
Risk-Based Capital22.30%24.34%23.88%23.16%24.21%+190 bps
Net Worth / Assets22.30%24.34%23.88%23.16%24.21%+190 bps
Liquidity & Funding
Loans / Shares109.15%129.12%116.38%118.42%117.26%+811 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps