Port Edwards, WI · Charter 66673
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Port Edwards, WI · Charter 66673
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.35% | 0.14% | 0.17% | 0.19% | -17 bps | |
| Return on Equity | 2.87% | 2.61% | 1.16% | 1.39% | 1.44% | -144 bps | |
| Net Interest Margin | 3.38% | 3.50% | 3.13% | 3.24% | 3.39% | +1 bps | |
| Efficiency Ratio | 90.69% | 91.43% | 96.05% | 95.41% | 95.30% | +461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.46% | 1.56% | 7.79% | 7.57% | -2.26% | -473 bps | |
| Loan Growth (YoY) | 8.56% | 0.09% | 1.01% | 1.43% | -3.42% | -1,199 bps | |
| Share Growth (YoY) | -3.95% | 1.47% | 8.86% | 11.70% | 4.18% | +813 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.21% | 0.17% | 0.12% | 0.10% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.48% | 0.48% | 0.45% | 0.43% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.59% | 13.29% | 12.46% | 12.59% | 13.08% | +49 bps | |
| Net Worth / Assets | 12.59% | 13.29% | 12.46% | 12.59% | 13.08% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.20% | 81.56% | 75.93% | 78.10% | 81.77% | -644 bps | |
| Liquid Assets / Assets | 9.24% | 9.26% | 14.21% | 0.00% | 0.00% | -924 bps | |