Wheeling, WV · Charter 23746
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Wheeling, WV · Charter 23746
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.93% | -1.07% | -1.21% | -1.86% | -6.40% | -448 bps | |
| Return on Equity | -27.90% | -14.63% | -33.35% | -52.79% | -342% | -31,421 bps | |
| Net Interest Margin | 4.00% | 4.73% | 5.36% | 6.46% | 6.53% | +253 bps | |
| Efficiency Ratio | 123.54% | 112.65% | 110.53% | 111.36% | 398% | +27,486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.78% | -10.94% | -17.69% | -22.72% | -19.56% | -1,278 bps | |
| Loan Growth (YoY) | 3.18% | -0.25% | -8.94% | -14.44% | -20.95% | -2,414 bps | |
| Share Growth (YoY) | -2.41% | -6.75% | -14.11% | -17.02% | -18.11% | -1,570 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 3.14% | 2.42% | 2.32% | 3.54% | +65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 2.35% | 2.00% | 2.16% | 2.84% | +54 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.91% | 7.30% | 3.62% | 3.52% | 1.87% | -504 bps | |
| Net Worth / Assets | 6.91% | 7.30% | 3.62% | 3.52% | 1.87% | -504 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.63% | 66.01% | 66.59% | 72.73% | 59.49% | -214 bps | |
| Liquid Assets / Assets | 31.51% | 0.00% | 0.00% | 0.00% | 0.00% | -3,151 bps | |