Woodland, ME · Charter 4260
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.
Woodland, ME · Charter 4260
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 | 1.63% | 1.55% | 0.76% | 0.79% | 0.76% | -87 bps | |
| Return on Equity | 15.96% | 14.75% | 7.14% | 7.49% | 7.53% | -843 bps | |
| Net Interest Margin | 5.17% | 5.17% | 5.08% | 5.04% | 4.71% | -45 bps | |
| Efficiency Ratio | 78.74% | 79.53% | 83.49% | 83.99% | 84.64% | +590 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.40% | -0.26% | 2.16% | 3.03% | 10.83% | +1,422 bps | |
| Loan Growth (YoY) | -3.30% | -0.32% | 4.13% | 5.98% | 10.87% | +1,417 bps | |
| Share Growth (YoY) | -2.33% | -2.81% | -4.06% | -1.58% | 1.81% | +414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.65% | 0.28% | 0.33% | 0.83% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.21% | 0.21% | 0.24% | 0.28% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.23% | 10.52% | 10.61% | 10.58% | 10.10% | -13 bps | |
| Net Worth / Assets | 10.23% | 10.52% | 10.61% | 10.58% | 10.10% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.60% | 119.69% | 124.10% | 122.14% | 124.80% | +1,020 bps | |
| Liquid Assets / Assets | 1.82% | 0.90% | 0.25% | 0.00% | 0.00% | -182 bps | |