North East, PA · Charter 20137
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
North East, PA · Charter 20137
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.21% | 0.26% | 0.20% | -0.06% | -32 bps | |
| Return on Equity | 3.42% | 2.56% | 2.99% | 2.30% | -0.65% | -406 bps | |
| Net Interest Margin | 4.02% | 4.29% | 4.45% | 4.64% | 4.77% | +75 bps | |
| Efficiency Ratio | 90.68% | 88.14% | 87.04% | 88.65% | 90.05% | -63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.75% | 9.48% | 9.41% | -8.54% | -9.93% | -2,768 bps | |
| Loan Growth (YoY) | -1.11% | 5.26% | 10.20% | 11.04% | 13.63% | +1,474 bps | |
| Share Growth (YoY) | 18.89% | 9.70% | 9.76% | -9.59% | -10.93% | -2,982 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.04% | 2.44% | 3.29% | 2.36% | 2.00% | -104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.56% | 0.57% | 0.57% | 0.49% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.83% | 8.20% | 8.55% | 8.89% | 8.81% | +98 bps | |
| Net Worth / Assets | 7.83% | 8.20% | 8.55% | 8.89% | 8.81% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.57% | 78.12% | 85.73% | 91.24% | 88.76% | +1,919 bps | |
| Liquid Assets / Assets | 32.63% | 24.64% | 18.31% | 13.19% | 15.78% | -1,684 bps | |