PackageTrendsPeer
Letter portraitLegal landscape

Neighborhood Council

Montclair, NJ · Charter 6197

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

Neighborhood Council

Montclair, NJ · Charter 6197

Q3 2006

$179KAssets
$70KLoans
$147KShares
$33KNet 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 0.13%, down 36 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.20%, up 398 bps from a year ago.
  • Funding: loans stand at 47.57% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.13%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+67 bps YoY

Efficiency Ratio (YTD, annualized)

96.61%+1,143 bps YoY

Net Worth / Assets

18.20%+398 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.49%0.72%1.41%0.35%0.13%-36 bps
Return on Equity3.47%4.25%7.83%1.94%0.74%-274 bps
Net Interest Margin3.27%4.07%4.86%4.03%3.94%+67 bps
Efficiency Ratio85.18%82.45%71.05%91.22%96.61%+1,143 bps
Growth
Asset Growth (YoY)-10.04%-24.25%-27.45%-25.71%-20.10%-1,006 bps
Loan Growth (YoY)116.16%131.81%129.93%-24.61%-18.20%-13,436 bps
Share Growth (YoY)-11.21%-27.88%-31.86%-30.60%-23.48%-1,228 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.95%6.10%6.95%7.11%7.27%+132 bps
Capital
Risk-Based Capital14.22%17.03%17.99%18.24%18.20%+398 bps
Net Worth / Assets14.22%17.03%17.99%18.24%18.20%+398 bps
Liquidity & Funding
Loans / Shares44.50%52.81%48.55%48.96%47.57%+307 bps
Liquid Assets / Assets55.68%55.83%51.62%0.00%0.00%-5,568 bps