Columbus, OH · Charter 66344
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Columbus, OH · Charter 66344
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.07% | 0.07% | 0.00% | -0.02% | -11 bps | |
| Return on Equity | 0.49% | 0.39% | 0.36% | 0.02% | -0.11% | -61 bps | |
| Net Interest Margin | 2.49% | 2.53% | 2.56% | 2.52% | 2.65% | +15 bps | |
| Efficiency Ratio | 96.52% | 96.83% | 96.85% | 98.20% | 96.89% | +36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.09% | -1.14% | -0.87% | -0.96% | -1.72% | +38 bps | |
| Loan Growth (YoY) | 5.25% | 5.27% | 6.74% | 3.83% | 3.85% | -141 bps | |
| Share Growth (YoY) | -2.09% | -1.89% | -0.91% | -1.59% | -1.85% | +24 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.55% | 0.46% | 0.43% | 0.34% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.26% | 0.26% | 0.26% | 0.29% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.86% | 18.97% | 19.17% | 19.03% | 19.16% | +30 bps | |
| Net Worth / Assets | 18.86% | 18.97% | 19.17% | 19.03% | 19.16% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.25% | 70.05% | 71.13% | 71.56% | 72.22% | +396 bps | |
| Liquid Assets / Assets | 10.88% | 8.76% | 10.02% | 9.82% | 10.84% | -4 bps | |