Wilson, NC · Charter 24757
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.
Wilson, NC · Charter 24757
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 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | -4.40% | 0.45% | 0.07% | n/a | |
| Return on Equity | -36.87% | 15.23% | 2.03% | n/a | |
| Net Interest Margin | 4.30% | 4.07% | 4.07% | n/a | |
| Efficiency Ratio | 83.24% | 89.40% | 98.35% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | 33.52% | 9.67% | 4.58% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 11.01% | 6.56% | n/a | |
| Capital | |||||
| Risk-Based Capital | 11.94% | 2.96% | 3.49% | n/a | |
| Net Worth / Assets | 11.94% | 2.96% | 3.49% | n/a | |
| Liquidity & Funding | |||||
| Loans / Shares | 68.02% | 48.58% | 49.34% | n/a | |
| Liquid Assets / Assets | 37.34% | 46.87% | 0.00% | n/a | |