Benton, KY · Charter 21165
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 | 0.21% | 0.03% | 0.17% | 0.25% | 0.43% | +23 bps | |
| Return on Equity | 0.94% | 0.13% | 0.69% | 0.90% | 1.67% | +73 bps | |
| Net Interest Margin | 3.70% | 1.48% | 4.21% | 4.50% | 4.08% | +38 bps | |
| Efficiency Ratio | 80.23% | 76.69% | 79.10% | 87.56% | 84.18% | +396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.99% | -11.92% | -5.09% | -20.27% | -14.99% | -301 bps | |
| Loan Growth (YoY) | -8.21% | -13.92% | -11.37% | 4.99% | 18.14% | +2,634 bps | |
| Share Growth (YoY) | -15.24% | -15.35% | -6.86% | -26.38% | -19.62% | -438 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.12% | 0.00% | 3.70% | 2.46% | 3.78% | +66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.58% | 2.04% | 2.64% | 2.68% | 2.45% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.06% | 23.78% | 24.09% | 28.21% | 26.01% | +395 bps | |
| Net Worth / Assets | 22.06% | 23.78% | 24.09% | 28.21% | 26.01% | +395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.86% | 42.51% | 43.94% | 58.16% | 60.06% | +1,920 bps | |
| Liquid Assets / Assets | 67.33% | 66.19% | 65.50% | 29.79% | 0.00% | -6,733 bps | |