Suffolk, VA · Charter 20180
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Suffolk, VA · Charter 20180
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 1.21% | 1.48% | 1.36% | 1.41% | +64 bps | |
| Return on Equity | 10.36% | 13.34% | 15.42% | 13.36% | 14.15% | +378 bps | |
| Net Interest Margin | 6.21% | 6.95% | 6.46% | 6.56% | 6.18% | -3 bps | |
| Efficiency Ratio | 74.67% | 75.88% | 84.15% | 85.78% | 84.25% | +958 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.13% | -11.12% | -17.91% | -15.70% | -11.07% | -294 bps | |
| Loan Growth (YoY) | -8.10% | -10.98% | -15.92% | -13.57% | -2.82% | +528 bps | |
| Share Growth (YoY) | -9.63% | -13.12% | -20.41% | -18.08% | -13.33% | -371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 2.91% | 1.96% | 2.90% | 3.10% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.53% | 2.66% | 3.01% | 2.56% | 2.27% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 9.05% | 9.59% | 10.18% | 10.00% | +253 bps | |
| Net Worth / Assets | 7.47% | 9.05% | 9.59% | 10.18% | 10.00% | +253 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.76% | 86.80% | 83.99% | 84.50% | 86.06% | +931 bps | |
| Liquid Assets / Assets | 19.80% | 8.47% | 13.78% | 0.00% | 0.00% | -1,980 bps | |