PackageTrendsPeer
Letter portraitLegal landscape

Holy Family Parish

Rochester, NY · Charter 63861

Q2 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Holy Family Parish

Rochester, NY · Charter 63861

Q2 2006

$266KAssets
$154KLoans
$238KShares
$25KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -16.85%, down 1,683 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.29% of loans (-443 bps YoY).
  • Capital: net worth / assets of 9.38%, down 363 bps from a year ago.
  • Funding: loans stand at 64.76% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-16.85%-1,683 bps YoY

Net Interest Margin (YTD, annualized)

5.17%+84 bps YoY

Efficiency Ratio (YTD, annualized)

131.56%+4,149 bps YoY

Net Worth / Assets

9.38%-363 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets-0.02%-0.70%-0.53%-4.81%-16.85%-1,683 bps
Return on Equity-0.14%-5.41%-4.34%-34.28%-179.54%-17,940 bps
Net Interest Margin4.33%3.67%4.21%4.68%5.17%+84 bps
Efficiency Ratio90.06%108.08%86.49%132.95%131.56%+4,149 bps
Growth
Asset Growth (YoY)0.32%-4.90%-1.34%-18.42%-30.18%-3,050 bps
Loan Growth (YoY)3.35%-11.19%-27.53%-31.97%-30.58%-3,392 bps
Share Growth (YoY)0.11%-5.15%-0.38%-19.20%-27.48%-2,759 bps
Asset Quality
Delinquent Loans / Loans4.72%3.99%36.50%36.71%0.29%-443 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.29%0.66%3.50%3.60%2.25%-4 bps
Capital
Risk-Based Capital13.02%13.00%12.22%14.03%9.38%-363 bps
Net Worth / Assets13.02%13.00%12.22%14.03%9.38%-363 bps
Liquidity & Funding
Loans / Shares67.66%63.23%53.89%64.68%64.76%-289 bps
Liquid Assets / Assets40.67%40.08%52.94%38.66%0.00%-4,067 bps