Homestead, FL · Charter 24183
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.
Homestead, FL · Charter 24183
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 | 0.05% | 0.03% | 0.10% | 0.29% | 0.54% | +49 bps | |
| Return on Equity | 0.43% | 0.29% | 1.03% | 2.75% | 4.75% | +432 bps | |
| Net Interest Margin | 3.51% | 3.52% | 3.46% | 3.78% | 4.07% | +56 bps | |
| Efficiency Ratio | 90.76% | 93.21% | 93.79% | 91.09% | 87.88% | -289 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.68% | 4.46% | 7.15% | 3.68% | -3.11% | -878 bps | |
| Loan Growth (YoY) | -1.73% | -0.18% | 1.20% | 8.77% | 1.48% | +320 bps | |
| Share Growth (YoY) | 7.79% | 5.14% | 8.12% | 4.20% | -3.97% | -1,175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.51% | 0.52% | 0.46% | 0.22% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.65% | 0.66% | 0.64% | 0.63% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.62% | 10.64% | 10.14% | 10.59% | 11.36% | +74 bps | |
| Net Worth / Assets | 10.62% | 10.64% | 10.14% | 10.59% | 11.36% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.31% | 79.14% | 74.62% | 79.87% | 82.74% | +444 bps | |
| Liquid Assets / Assets | 14.66% | 14.74% | 19.73% | 0.00% | 0.00% | -1,466 bps | |