Monessen, PA · Charter 180
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Monessen, PA · Charter 180
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 1.02% | 0.83% | 0.33% | -0.68% | -135 bps | |
| Return on Equity | 5.85% | 8.26% | 5.93% | 2.32% | -5.02% | -1,086 bps | |
| Net Interest Margin | 3.41% | 2.92% | 3.49% | 3.32% | 4.42% | +100 bps | |
| Efficiency Ratio | 80.19% | 112.53% | 106.22% | 114.37% | 115.15% | +3,496 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.03% | -8.78% | -18.10% | -17.82% | -16.55% | -1,052 bps | |
| Loan Growth (YoY) | 6.96% | -9.60% | -21.70% | -21.79% | -32.31% | -3,927 bps | |
| Share Growth (YoY) | -7.59% | -10.85% | -19.66% | -20.55% | -17.47% | -987 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.00% | 0.00% | 1.53% | 1.21% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 2.54% | 2.86% | 3.06% | 3.42% | +44 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.51% | 12.30% | 13.97% | 14.42% | 13.46% | +196 bps | |
| Net Worth / Assets | 11.51% | 12.30% | 13.97% | 14.42% | 13.46% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 112.67% | 107.05% | 109.58% | 108.88% | 92.41% | -2,027 bps | |
| Liquid Assets / Assets | 2.85% | 0.00% | 0.00% | 0.00% | 0.00% | -285 bps | |