Fredonia, NY · Charter 21038
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Fredonia, NY · Charter 21038
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.25% | 0.09% | -2.01% | -2.61% | -409 bps | |
| Return on Equity | 26.36% | 21.04% | 2.38% | -63.14% | -120.70% | -14,706 bps | |
| Net Interest Margin | 5.03% | 5.76% | 3.63% | 3.25% | 2.83% | -220 bps | |
| Efficiency Ratio | 66.19% | 62.87% | 75.10% | 115.97% | 159.19% | +9,299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.77% | 8.29% | 39.14% | 44.28% | 44.81% | +2,604 bps | |
| Loan Growth (YoY) | 16.94% | 3.96% | -5.28% | -5.10% | -6.56% | -2,350 bps | |
| Share Growth (YoY) | 12.52% | 11.73% | 62.40% | 60.58% | 55.49% | +4,297 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.10% | 5.59% | 8.86% | 4.11% | 3.99% | -212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.83% | 1.45% | 0.41% | 0.47% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.64% | 5.96% | 3.71% | 3.19% | 2.16% | -348 bps | |
| Net Worth / Assets | 5.64% | 5.96% | 3.71% | 3.19% | 2.16% | -348 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.12% | 105.61% | 64.07% | 61.59% | 57.16% | -3,796 bps | |
| Liquid Assets / Assets | 8.45% | 1.99% | 31.11% | 34.27% | 0.00% | -845 bps | |