New England, ND · Charter 63310
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
New England, ND · Charter 63310
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.42% | 0.62% | 0.61% | 0.72% | -4 bps | |
| Return on Equity | 9.14% | 5.29% | 7.59% | 7.39% | 9.40% | +27 bps | |
| Net Interest Margin | 4.78% | 4.25% | 4.50% | 4.60% | 4.11% | -67 bps | |
| Efficiency Ratio | 83.93% | 89.74% | 87.34% | 87.96% | 84.33% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.96% | 5.29% | 11.02% | 11.45% | 19.46% | +2,642 bps | |
| Loan Growth (YoY) | -1.36% | -6.34% | -3.80% | -1.95% | 19.35% | +2,071 bps | |
| Share Growth (YoY) | -8.34% | 4.94% | 11.13% | 11.54% | 20.31% | +2,864 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.38% | 2.87% | 1.76% | 1.53% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.51% | 1.20% | 1.17% | 1.03% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.28% | 7.91% | 8.16% | 8.27% | 7.65% | -63 bps | |
| Net Worth / Assets | 8.28% | 7.91% | 8.16% | 8.27% | 7.65% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.04% | 64.30% | 81.84% | 82.17% | 82.38% | -66 bps | |
| Liquid Assets / Assets | 19.53% | 24.12% | 18.09% | 17.52% | 20.91% | +137 bps | |