PackageTrendsPeer
Letter portraitLegal landscape

Eastern

New Philadelphi, OH · Charter 61814

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

Eastern

New Philadelphi, OH · Charter 61814

Q3 2006

$3.0MAssets
$2.6MLoans
$2.9MShares
$6KNet 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 -22.72%, down 2,369 bps year over year; NIM at 7.23%.
  • Asset quality: problem loans at 8.04% of loans (+454 bps YoY).
  • Capital: net worth / assets of 0.21%, down 1,235 bps from a year ago.
  • Funding: loans stand at 88.07% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-22.72%-2,369 bps YoY

Net Interest Margin (YTD, annualized)

7.23%+63 bps YoY

Efficiency Ratio (YTD, annualized)

115.97%+4,189 bps YoY

Net Worth / Assets

0.21%-1,235 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.97%1.06%-5.61%-4.78%-22.72%-2,369 bps
Return on Equity7.71%7.96%-49.58%-37.75%-11084%-1,109,184 bps
Net Interest Margin6.60%6.73%4.84%5.93%7.23%+63 bps
Efficiency Ratio74.08%73.11%95.94%111.48%115.97%+4,189 bps
Growth
Asset Growth (YoY)-15.05%-12.09%-7.62%-19.03%-27.01%-1,196 bps
Loan Growth (YoY)-0.20%0.69%-6.04%-17.90%-21.72%-2,153 bps
Share Growth (YoY)-14.21%-14.46%-14.16%-19.70%-17.39%-318 bps
Asset Quality
Delinquent Loans / Loans3.51%11.80%14.04%12.25%8.04%+454 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.29%3.61%3.80%2.17%11.78%+849 bps
Capital
Risk-Based Capital12.55%13.37%11.31%12.65%0.21%-1,235 bps
Net Worth / Assets12.55%13.37%11.31%12.65%0.21%-1,235 bps
Liquidity & Funding
Loans / Shares92.95%96.93%90.77%88.35%88.07%-488 bps
Liquid Assets / Assets4.34%14.33%23.53%0.00%0.00%-434 bps