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Holy Family Parish

Rochester, NY · Charter 24779

Q3 2006

$263KAssets
$160KLoans
$238KShares
$25KNet 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 -10.99%; NIM at 5.18%.
  • Asset quality: problem loans at 0.41% of loans.
  • Capital: net worth / assets of 9.38%.
  • Funding: loans stand at 67.26% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-10.99%

Net Interest Margin (YTD, annualized)

5.18%

Efficiency Ratio (YTD, annualized)

114.59%

Net Worth / Assets

9.38%

Year to date, annualized, through each quarter.

MetricQ3 2006YoY ΔTrend
Earnings
Return on Assets-10.99%n/an/a
Return on Equity-117.18%n/an/a
Net Interest Margin5.18%n/an/a
Efficiency Ratio114.59%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans0.41%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans2.19%n/an/a
Capital
Risk-Based Capital9.38%n/an/a
Net Worth / Assets9.38%n/an/a
Liquidity & Funding
Loans / Shares67.26%n/an/a
Liquid Assets / Assets0.00%n/an/a