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East Meadow Lodge

East Meadow, NY · Charter 19005

Q1 2006

$258KAssets
$28KLoans
$223KShares
$36KNet 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 2.57%, up 161 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.74%, down 1,330 bps from a year ago.
  • Funding: loans stand at 12.48% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

2.57%+161 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+11 bps YoY

Efficiency Ratio (YTD, annualized)

34.04%-4,076 bps YoY

Net Worth / Assets

13.74%-1,330 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.95%0.86%0.87%-2.71%2.57%+161 bps
Return on Equity3.53%3.48%5.79%-21.50%18.69%+1,516 bps
Net Interest Margin3.79%3.37%2.15%-1.41%3.89%+11 bps
Efficiency Ratio74.79%74.52%59.60%n/a34.04%-4,076 bps
Growth
Asset Growth (YoY)-30.07%-20.64%60.22%64.50%68.44%+9,851 bps
Loan Growth (YoY)-15.25%-46.61%-58.03%-58.86%-58.60%-4,335 bps
Share Growth (YoY)-37.14%-25.55%79.38%88.27%99.14%+13,629 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.04%24.71%14.99%12.61%13.74%-1,330 bps
Net Worth / Assets27.04%24.71%14.99%12.61%13.74%-1,330 bps
Liquidity & Funding
Loans / Shares60.04%33.16%14.90%14.05%12.48%-4,756 bps
Liquid Assets / Assets53.58%72.09%34.83%2.01%75.04%+2,146 bps