Lamar, CO · Charter 65326
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.
Lamar, CO · Charter 65326
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 | 0.94% | 0.43% | 0.26% | -1.10% | -0.14% | -109 bps | |
| Return on Equity | 3.56% | 1.79% | 1.05% | -4.33% | -0.54% | -410 bps | |
| Net Interest Margin | 7.98% | 7.08% | 7.40% | 6.82% | 6.97% | -101 bps | |
| Efficiency Ratio | 80.27% | 78.99% | 85.17% | 103.08% | 91.95% | +1,167 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.00% | -5.47% | -5.13% | -6.97% | -1.24% | +1,377 bps | |
| Loan Growth (YoY) | -7.14% | -9.84% | -12.74% | -17.69% | -22.65% | -1,550 bps | |
| Share Growth (YoY) | -20.81% | -7.25% | -6.39% | -8.54% | -0.45% | +2,036 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.38% | 14.93% | 6.95% | 7.19% | 9.85% | -152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 3.93% | 3.39% | 4.50% | 4.41% | +164 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.50% | 24.18% | 24.66% | 25.35% | 26.48% | -1 bps | |
| Net Worth / Assets | 26.50% | 24.18% | 24.66% | 25.35% | 26.48% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.26% | 93.82% | 87.69% | 86.83% | 82.57% | -2,369 bps | |
| Liquid Assets / Assets | 22.35% | 29.76% | 33.79% | 0.00% | 0.00% | -2,235 bps | |