Wyoming, MI · Charter 62128
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wyoming, MI · Charter 62128
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.17% | 0.22% | 0.37% | 0.45% | +21 bps | |
| Return on Equity | 1.37% | 0.85% | 1.08% | 1.71% | 2.12% | +75 bps | |
| Net Interest Margin | 3.67% | 3.20% | 3.53% | 3.82% | 4.06% | +38 bps | |
| Efficiency Ratio | 93.75% | 95.37% | 94.95% | 92.50% | 91.63% | -213 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.71% | 14.47% | 15.91% | 13.09% | 12.64% | +1,635 bps | |
| Loan Growth (YoY) | -15.23% | 13.88% | 22.96% | 27.17% | 18.68% | +3,390 bps | |
| Share Growth (YoY) | -4.89% | 9.17% | 11.27% | 7.84% | 7.65% | +1,254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.35% | 1.04% | 1.82% | 1.38% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.86% | 1.78% | 1.53% | 1.56% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.34% | 19.62% | 20.34% | 21.59% | 21.32% | +399 bps | |
| Net Worth / Assets | 17.34% | 19.62% | 20.34% | 21.59% | 21.32% | +399 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.54% | 36.92% | 38.68% | 40.33% | 36.97% | +344 bps | |
| Liquid Assets / Assets | 33.87% | 30.55% | 27.63% | 25.80% | 29.37% | -450 bps | |