Wyoming, MI · Charter 62374
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 62374
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 | 0.14% | 0.23% | 0.26% | 0.37% | 0.70% | +56 bps | |
| Return on Equity | 0.69% | 1.14% | 1.26% | 1.77% | 3.47% | +278 bps | |
| Net Interest Margin | 3.82% | 3.84% | 3.92% | 4.03% | 4.01% | +19 bps | |
| Efficiency Ratio | 95.37% | 93.83% | 92.04% | 90.67% | 85.86% | -950 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.89% | -3.73% | -1.63% | 0.82% | 3.19% | +908 bps | |
| Loan Growth (YoY) | -9.70% | -8.20% | -4.56% | -2.10% | -4.94% | +476 bps | |
| Share Growth (YoY) | -7.85% | -5.54% | -2.71% | 0.87% | 3.51% | +1,136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 1.34% | 1.81% | 2.06% | 1.26% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.31% | 1.65% | 1.72% | 1.62% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.34% | 20.09% | 20.50% | 21.09% | 20.21% | -13 bps | |
| Net Worth / Assets | 20.34% | 20.09% | 20.50% | 21.09% | 20.21% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.39% | 37.44% | 38.22% | 39.02% | 34.34% | -305 bps | |
| Liquid Assets / Assets | 29.68% | 33.10% | 31.19% | 32.73% | 37.50% | +782 bps | |