New Philadelphi, OH · Charter 61814
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.06% | -5.61% | -4.78% | -22.72% | -2,369 bps | |
| Return on Equity | 7.71% | 7.96% | -49.58% | -37.75% | -11084% | -1,109,184 bps | |
| Net Interest Margin | 6.60% | 6.73% | 4.84% | 5.93% | 7.23% | +63 bps | |
| Efficiency Ratio | 74.08% | 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 / Loans | 3.51% | 11.80% | 14.04% | 12.25% | 8.04% | +454 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.29% | 3.61% | 3.80% | 2.17% | 11.78% | +849 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.55% | 13.37% | 11.31% | 12.65% | 0.21% | -1,235 bps | |
| Net Worth / Assets | 12.55% | 13.37% | 11.31% | 12.65% | 0.21% | -1,235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.95% | 96.93% | 90.77% | 88.35% | 88.07% | -488 bps | |
| Liquid Assets / Assets | 4.34% | 14.33% | 23.53% | 0.00% | 0.00% | -434 bps | |