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Winston Salem Police

Winston-Salem, NC · Charter 66311

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Winston Salem Police

Winston-Salem, NC · Charter 66311

Q3 2006

$3.3MAssets
$2.8MLoans
$2.3MShares
$407KNet 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 -1.86%, down 153 bps year over year; NIM at 5.98%.
  • Asset quality: problem loans at 0.00% of loans (-128 bps YoY).
  • Capital: net worth / assets of 12.43%, down 208 bps from a year ago.
  • Funding: loans stand at 120.71% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.86%-153 bps YoY

Net Interest Margin (YTD, annualized)

5.98%+23 bps YoY

Efficiency Ratio (YTD, annualized)

133.76%+4,131 bps YoY

Net Worth / Assets

12.43%-208 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.33%-0.05%-1.92%-0.21%-1.86%-153 bps
Return on Equity-2.29%-0.36%-14.69%-1.55%-14.98%-1,270 bps
Net Interest Margin5.75%5.78%5.51%5.99%5.98%+23 bps
Efficiency Ratio92.45%88.37%128.07%101.31%133.76%+4,131 bps
Growth
Asset Growth (YoY)-1.45%4.92%18.67%14.79%6.67%+812 bps
Loan Growth (YoY)25.25%40.36%49.14%40.13%34.76%+951 bps
Share Growth (YoY)-10.16%-7.96%0.86%-10.49%-3.00%+716 bps
Asset Quality
Delinquent Loans / Loans1.28%0.65%0.31%0.00%0.00%-128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.52%0.52%0.52%0.51%0.50%-2 bps
Capital
Risk-Based Capital14.51%14.21%13.06%13.59%12.43%-208 bps
Net Worth / Assets14.51%14.21%13.06%13.59%12.43%-208 bps
Liquidity & Funding
Loans / Shares86.89%94.48%104.06%121.08%120.71%+3,382 bps
Liquid Assets / Assets9.99%8.06%5.43%0.00%0.00%-999 bps