Napoloen, ND · Charter 63241
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.
Napoloen, ND · Charter 63241
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 | -1.47% | -0.45% | 0.01% | 0.01% | 1.37% | +284 bps | |
| Return on Equity | -10.73% | -3.28% | 0.05% | 0.04% | 9.60% | +2,032 bps | |
| Net Interest Margin | 3.64% | 3.89% | 4.16% | 3.90% | 4.47% | +83 bps | |
| Efficiency Ratio | 138.99% | 111.14% | 99.85% | 99.87% | 70.24% | -6,876 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.62% | -0.41% | 0.54% | 1.55% | 0.75% | +137 bps | |
| Loan Growth (YoY) | 1.83% | -9.38% | -7.97% | -15.16% | -13.06% | -1,489 bps | |
| Share Growth (YoY) | -0.73% | -0.29% | 0.71% | 0.54% | 0.09% | +82 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 3.46% | 1.79% | 3.66% | 6.78% | +463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.32% | 3.50% | 3.37% | 3.80% | 3.82% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.69% | 13.79% | 14.07% | 14.15% | 14.30% | +61 bps | |
| Net Worth / Assets | 13.69% | 13.79% | 14.07% | 14.15% | 14.30% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.47% | 75.56% | 79.19% | 70.96% | 69.04% | -1,044 bps | |
| Liquid Assets / Assets | 31.89% | 34.78% | 31.89% | 39.84% | 41.05% | +915 bps | |