Goshen, IN · Charter 60007
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Goshen, IN · Charter 60007
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | 0.07% | 0.04% | 0.02% | 0.10% | +22 bps | |
| Return on Equity | -1.10% | 0.68% | 0.41% | 0.21% | 0.84% | +194 bps | |
| Net Interest Margin | 3.05% | 3.00% | 3.14% | 3.29% | 3.33% | +28 bps | |
| Efficiency Ratio | 97.68% | 92.32% | 93.33% | 94.51% | 93.87% | -381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.26% | -5.70% | -5.31% | -9.20% | -9.36% | -311 bps | |
| Loan Growth (YoY) | -12.36% | -11.85% | -9.47% | -11.86% | -14.93% | -257 bps | |
| Share Growth (YoY) | -6.02% | -6.28% | -8.20% | -10.20% | -7.67% | -165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 2.01% | 1.84% | 2.17% | 4.18% | +181 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 1.34% | 1.62% | 1.93% | 2.09% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.80% | 10.80% | 11.06% | 11.56% | 11.89% | +109 bps | |
| Net Worth / Assets | 10.80% | 10.80% | 11.06% | 11.56% | 11.89% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.49% | 33.64% | 34.23% | 32.96% | 32.70% | -279 bps | |
| Liquid Assets / Assets | 13.01% | 14.29% | 18.56% | 20.27% | 26.61% | +1,360 bps | |