PackageTrendsPeer
Letter portraitLegal landscape

Ebenezer

Fort Washington, MD · Charter 24595

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ebenezer

Fort Washington, MD · Charter 24595

Q3 2006

$376KAssets
$40KLoans
$309KShares
$66KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.04%, up 135 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 25.24% of loans (+392 bps YoY).
  • Capital: net worth / assets of 17.71%, up 895 bps from a year ago.
  • Funding: loans stand at 12.81% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

4.04%+135 bps YoY

Net Interest Margin (YTD, annualized)

5.85%+216 bps YoY

Efficiency Ratio (YTD, annualized)

30.23%-148 bps YoY

Net Worth / Assets

17.71%+895 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets2.69%3.60%3.60%3.57%4.04%+135 bps
Return on Equity30.70%31.08%28.51%24.46%22.83%-787 bps
Net Interest Margin3.69%4.65%5.00%5.08%5.85%+216 bps
Efficiency Ratio31.71%27.00%29.73%27.09%30.23%-148 bps
Growth
Asset Growth (YoY)21.13%7.14%0.60%-22.11%-33.37%-5,450 bps
Loan Growth (YoY)-10.84%-1.34%-6.27%-18.09%-40.21%-2,937 bps
Share Growth (YoY)19.79%3.32%-3.03%-27.72%-40.00%-5,979 bps
Asset Quality
Delinquent Loans / Loans21.31%21.76%23.92%0.01%25.24%+392 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.45%7.14%8.52%4.98%5.43%-102 bps
Capital
Risk-Based Capital8.75%11.59%12.64%14.60%17.71%+895 bps
Net Worth / Assets8.75%11.59%12.64%14.60%17.71%+895 bps
Liquidity & Funding
Loans / Shares12.86%14.14%12.09%11.75%12.81%-5 bps
Liquid Assets / Assets29.29%45.23%46.75%0.00%0.00%-2,929 bps