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Members One Credit Union, Inc.

Louisville, KY · Charter 61103

Q3 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: 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.

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

Members One Credit Union, Inc.

Louisville, KY · Charter 61103

Q3 2006

$3.4MAssets
$2.2MLoans
$2.0MShares
$1.3MNet 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 -0.01%, down 181 bps year over year; NIM at 7.46%.
  • Asset quality: problem loans at 7.48% of loans (+434 bps YoY).
  • Capital: net worth / assets of 39.31%, up 270 bps from a year ago.
  • Funding: loans stand at 108.79% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.01%-181 bps YoY

Net Interest Margin (YTD, annualized)

7.46%+97 bps YoY

Efficiency Ratio (YTD, annualized)

74.38%+7 bps YoY

Net Worth / Assets

39.31%+270 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.80%0.43%-4.87%-1.77%-0.01%-181 bps
Return on Equity4.91%1.15%-13.45%-4.65%-0.03%-494 bps
Net Interest Margin6.49%6.89%6.68%6.86%7.46%+97 bps
Efficiency Ratio74.31%74.63%87.74%83.16%74.38%+7 bps
Growth
Asset Growth (YoY)-6.62%-7.55%-8.91%-8.53%-9.28%-266 bps
Loan Growth (YoY)4.54%4.24%-2.72%-13.63%-23.48%-2,802 bps
Share Growth (YoY)-12.61%-11.91%-11.26%-10.99%-13.09%-48 bps
Asset Quality
Delinquent Loans / Loans3.14%2.20%2.60%7.65%7.48%+434 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%1.27%2.17%2.56%2.08%+161 bps
Capital
Risk-Based Capital36.61%37.36%36.22%38.16%39.31%+270 bps
Net Worth / Assets36.61%37.36%36.22%38.16%39.31%+270 bps
Liquidity & Funding
Loans / Shares123.57%134.75%124.32%120.10%108.79%-1,477 bps
Liquid Assets / Assets12.18%5.83%12.11%0.00%0.00%-1,218 bps