Red Lion, PA · Charter 65489
Q2 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Red Lion, PA · Charter 65489
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.17% | -0.48% | -1.20% | -2.59% | -263 bps | |
| Return on Equity | 0.32% | -1.34% | -3.30% | -8.57% | -19.45% | -1,977 bps | |
| Net Interest Margin | 3.23% | 3.29% | 3.72% | 3.66% | 3.87% | +64 bps | |
| Efficiency Ratio | 98.74% | 105.07% | 112.30% | 131.68% | 203% | +10,421 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | -2.19% | -2.09% | -10.58% | -13.44% | -1,179 bps | |
| Loan Growth (YoY) | -13.25% | -8.03% | -6.60% | -0.96% | -2.91% | +1,034 bps | |
| Share Growth (YoY) | -1.85% | -2.27% | -1.68% | -11.56% | -13.75% | -1,190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.75% | 0.73% | 0.00% | 0.06% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.00% | 1.00% | 0.31% | 0.45% | -54 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.06% | 12.94% | 14.39% | 13.96% | 13.29% | +23 bps | |
| Net Worth / Assets | 13.06% | 12.94% | 14.39% | 13.96% | 13.29% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.00% | 56.25% | 65.08% | 63.33% | 64.16% | +716 bps | |
| Liquid Assets / Assets | 40.44% | 36.86% | 42.10% | 43.11% | 0.00% | -4,044 bps | |