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Elmwood Park School Emp.

Elmwood Park, IL · Charter 60139

Q1 2006

$488KAssets
$315KLoans
$350KShares
$138KNet 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 2.77%, up 168 bps year over year; NIM at 6.87%.
  • Asset quality: problem loans at 20.83% of loans (+338 bps YoY).
  • Capital: net worth / assets of 28.31%, up 956 bps from a year ago.
  • Funding: loans stand at 90.07% of shares as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

2.77%+168 bps YoY

Net Interest Margin (quarter, annualized)

6.87%-9 bps YoY

Efficiency Ratio (quarter, annualized)

59.61%-2,496 bps YoY

Net Worth / Assets

28.31%+956 bps YoY

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.10%0.96%-0.85%-0.88%2.77%+168 bps
Return on Equity5.85%4.66%-3.66%-3.70%9.80%+395 bps
Net Interest Margin6.96%7.50%8.14%8.40%6.87%-9 bps
Efficiency Ratio84.56%87.43%110.19%99.05%59.61%-2,496 bps
Growth
Asset Growth (YoY)-10.06%-18.59%-27.27%-27.16%-37.06%-2,700 bps
Loan Growth (YoY)-3.27%-8.67%-12.29%-14.54%-20.24%-1,697 bps
Share Growth (YoY)-12.79%-22.80%-32.94%-32.73%-44.29%-3,150 bps
Asset Quality
Delinquent Loans / Loans17.45%17.75%19.91%24.06%20.83%+338 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.62%7.19%8.94%9.41%9.44%+282 bps
Capital
Risk-Based Capital18.75%20.64%23.10%23.79%28.31%+956 bps
Net Worth / Assets18.75%20.64%23.10%23.79%28.31%+956 bps
Liquidity & Funding
Loans / Shares62.92%65.75%77.07%76.78%90.07%+2,716 bps
Liquid Assets / Assets29.67%48.03%42.25%43.71%38.74%+907 bps