Worth, IL · Charter 65437
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.
Worth, IL · Charter 65437
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 | 0.18% | 0.16% | 0.33% | 0.64% | 0.46% | +28 bps | |
| Return on Equity | 1.00% | 0.87% | 1.78% | 3.35% | 2.16% | +116 bps | |
| Net Interest Margin | 3.80% | 3.83% | 3.94% | 4.43% | 4.71% | +90 bps | |
| Efficiency Ratio | 95.25% | 95.88% | 91.81% | 85.65% | 90.37% | -488 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.55% | -3.89% | -5.68% | -7.84% | -12.33% | -878 bps | |
| Loan Growth (YoY) | -11.37% | -12.41% | 3.10% | -4.44% | 11.28% | +2,265 bps | |
| Share Growth (YoY) | -4.49% | -4.85% | -7.32% | -10.05% | -15.65% | -1,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.44% | 0.35% | 0.34% | 0.00% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 2.20% | 1.84% | 1.93% | 1.93% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.31% | 18.56% | 18.36% | 19.21% | 21.25% | +294 bps | |
| Net Worth / Assets | 18.31% | 18.56% | 18.36% | 19.21% | 21.25% | +294 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.04% | 48.79% | 57.28% | 57.02% | 64.70% | +1,566 bps | |
| Liquid Assets / Assets | 58.84% | 59.31% | 52.23% | 0.00% | 0.00% | -5,884 bps | |