Wooster, OH · Charter 63026
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wooster, OH · Charter 63026
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 | 0.36% | 0.39% | 0.27% | 0.40% | 0.60% | +25 bps | |
| Return on Equity | 1.03% | 1.02% | 0.66% | 1.00% | 1.35% | +31 bps | |
| Net Interest Margin | 3.43% | 3.77% | 3.76% | 3.83% | 4.35% | +93 bps | |
| Efficiency Ratio | 89.58% | 89.77% | 92.88% | 87.08% | 84.57% | -500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.18% | -19.78% | -24.23% | -19.03% | -21.86% | -568 bps | |
| Loan Growth (YoY) | -19.69% | -20.91% | -10.93% | -3.11% | -11.42% | +827 bps | |
| Share Growth (YoY) | -23.03% | -28.92% | -35.27% | -28.42% | -33.97% | -1,094 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.03% | 9.49% | 7.99% | 17.93% | 16.53% | +750 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.45% | 1.09% | 1.16% | 1.26% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.54% | 37.94% | 40.68% | 39.97% | 44.76% | +1,022 bps | |
| Net Worth / Assets | 34.54% | 37.94% | 40.68% | 39.97% | 44.76% | +1,022 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.37% | 35.54% | 43.28% | 38.87% | 43.43% | +1,105 bps | |
| Liquid Assets / Assets | 70.35% | 76.23% | 72.66% | 0.00% | 0.00% | -7,035 bps | |