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Artcraft

N. Huntingdon, PA · Charter 60320

Q4 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2006, the quarter ended December 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Artcraft

N. Huntingdon, PA · Charter 60320

Q4 2006

$1.2MAssets
$202KLoans
$800KShares
$387KNet 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 1.19%, up 66 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 4.66% of loans (-958 bps YoY).
  • Capital: net worth / assets of 32.61%, up 871 bps from a year ago.
  • Funding: loans stand at 25.25% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.19%+66 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+166 bps YoY

Efficiency Ratio (YTD, annualized)

42.14%-3,798 bps YoY

Net Worth / Assets

32.61%+871 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.53%1.59%1.03%1.19%1.19%+66 bps
Return on Equity2.20%6.25%3.96%4.07%3.65%+145 bps
Net Interest Margin2.54%3.12%3.21%3.85%4.20%+166 bps
Efficiency Ratio80.12%49.97%47.18%40.78%42.14%-3,798 bps
Growth
Asset Growth (YoY)-5.20%-9.26%-10.91%-20.36%-23.93%-1,873 bps
Loan Growth (YoY)-7.66%-12.81%-15.49%-24.12%-34.88%-2,722 bps
Share Growth (YoY)-7.46%-13.11%-15.03%-27.36%-32.33%-2,486 bps
Asset Quality
Delinquent Loans / Loans14.24%12.43%9.26%9.97%4.66%-958 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.10%4.34%6.28%9.34%4.28%+18 bps
Capital
Risk-Based Capital23.90%25.36%26.04%29.25%32.61%+871 bps
Net Worth / Assets23.90%25.36%26.04%29.25%32.61%+871 bps
Liquidity & Funding
Loans / Shares26.25%26.39%26.23%27.41%25.25%-99 bps
Liquid Assets / Assets32.28%15.41%0.00%0.00%0.00%-3,228 bps