Manchester, NH · Charter 66292
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Manchester, NH · Charter 66292
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.46% | 0.42% | 0.53% | 0.22% | -32 bps | |
| Return on Equity | 3.79% | 3.13% | 2.77% | 3.57% | 1.42% | -236 bps | |
| Net Interest Margin | 4.30% | 4.23% | 4.26% | 3.78% | 3.52% | -78 bps | |
| Efficiency Ratio | 87.54% | 89.01% | 89.87% | 85.99% | 93.60% | +606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.15% | -13.22% | -20.16% | -9.55% | -6.61% | +454 bps | |
| Loan Growth (YoY) | 6.15% | -10.63% | -12.79% | -15.05% | -20.26% | -2,641 bps | |
| Share Growth (YoY) | -12.75% | -15.51% | -23.21% | -11.47% | -7.84% | +491 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.85% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.09% | 0.12% | 0.12% | 0.14% | 0.15% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.24% | 14.66% | 15.21% | 14.99% | 15.38% | +113 bps | |
| Net Worth / Assets | 14.24% | 14.66% | 15.21% | 14.99% | 15.38% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.26% | 70.11% | 73.56% | 70.24% | 67.71% | -1,055 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |