PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Leader Employees

Manchester, NH · Charter 66292

Q2 2007

$5.0MAssets
$2.9MLoans
$4.3MShares
$776KNet 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 0.22%, down 32 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.38%, up 113 bps from a year ago.
  • Funding: loans stand at 67.71% of shares as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

0.22%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.52%-78 bps YoY

Efficiency Ratio (quarter, annualized)

93.60%+606 bps YoY

Net Worth / Assets

15.38%+113 bps YoY

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.54%0.46%0.42%0.53%0.22%-32 bps
Return on Equity3.79%3.13%2.77%3.57%1.42%-236 bps
Net Interest Margin4.30%4.23%4.26%3.78%3.52%-78 bps
Efficiency Ratio87.54%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 / Loans0.00%0.85%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.09%0.12%0.12%0.14%0.15%+6 bps
Capital
Risk-Based Capital14.24%14.66%15.21%14.99%15.38%+113 bps
Net Worth / Assets14.24%14.66%15.21%14.99%15.38%+113 bps
Liquidity & Funding
Loans / Shares78.26%70.11%73.56%70.24%67.71%-1,055 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps