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Melvindale Community

Melvindale, MI · Charter 61131

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 2026-10-10

Melvindale Community

Melvindale, MI · Charter 61131

Q3 2006

$4.3MAssets
$1.1MLoans
$3.7MShares
$275KNet 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 -3.02%, down 257 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 4.46% of loans (+92 bps YoY).
  • Capital: net worth / assets of 6.37%, down 143 bps from a year ago.
  • Funding: loans stand at 30.08% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-3.02%-257 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+28 bps YoY

Efficiency Ratio (YTD, annualized)

148.84%+4,644 bps YoY

Net Worth / Assets

6.37%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.45%-0.45%-1.48%-1.11%-3.02%-257 bps
Return on Equity-5.75%-5.68%-19.82%-13.54%-47.49%-4,174 bps
Net Interest Margin3.74%3.86%3.68%4.17%4.02%+28 bps
Efficiency Ratio102.40%102.16%112.42%110.57%148.84%+4,644 bps
Growth
Asset Growth (YoY)6.78%-0.59%-6.26%-11.58%-10.89%-1,766 bps
Loan Growth (YoY)2.07%0.70%-7.00%-12.69%-14.44%-1,651 bps
Share Growth (YoY)8.77%1.14%-6.47%-11.89%-14.87%-2,364 bps
Asset Quality
Delinquent Loans / Loans3.54%0.43%0.60%0.79%4.46%+92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%0.81%1.68%1.84%2.21%+106 bps
Capital
Risk-Based Capital7.79%7.87%7.47%8.17%6.37%-143 bps
Net Worth / Assets7.79%7.87%7.47%8.17%6.37%-143 bps
Liquidity & Funding
Loans / Shares29.93%28.78%26.96%28.98%30.08%+15 bps
Liquid Assets / Assets5.66%10.83%14.94%0.00%0.00%-566 bps