Elkins Park, PA · Charter 6367
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.
Elkins Park, PA · Charter 6367
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 | -0.33% | -0.09% | -0.01% | 0.36% | 0.06% | +39 bps | |
| Return on Equity | -2.65% | -0.71% | -0.06% | 2.51% | 0.41% | +306 bps | |
| Net Interest Margin | 1.26% | 3.88% | 4.17% | 4.35% | 4.89% | +363 bps | |
| Efficiency Ratio | 124.37% | 102.13% | 100.18% | 92.31% | 98.84% | -2,553 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.16% | -6.97% | -10.81% | -10.78% | -12.51% | -734 bps | |
| Loan Growth (YoY) | -1.31% | -2.17% | 1.73% | -2.11% | -0.79% | +51 bps | |
| Share Growth (YoY) | -5.73% | -7.48% | -12.08% | -12.99% | -15.03% | -929 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.88% | 1.36% | 1.46% | 9.06% | 1.95% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.59% | 1.59% | 1.32% | 0.58% | -67 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.44% | 12.76% | 13.71% | 14.53% | 14.81% | +237 bps | |
| Net Worth / Assets | 12.44% | 12.76% | 13.71% | 14.53% | 14.81% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.80% | 50.30% | 55.42% | 56.44% | 55.81% | +801 bps | |
| Liquid Assets / Assets | 52.62% | 51.60% | 50.41% | 49.86% | 50.35% | -227 bps | |