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Peoples Community

Leominster, MA · Charter 66790

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 2026-10-11

Peoples Community

Leominster, MA · Charter 66790

Q3 2006

$11.2MAssets
$6.6MLoans
$9.6MShares
$1.6MNet 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 -2.21%, down 193 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 3.36% of loans (+121 bps YoY).
  • Capital: net worth / assets of 14.21%, down 70 bps from a year ago.
  • Funding: loans stand at 68.63% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-2.21%-193 bps YoY

Net Interest Margin (YTD, annualized)

5.18%+39 bps YoY

Efficiency Ratio (YTD, annualized)

116.69%+1,724 bps YoY

Net Worth / Assets

14.21%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.27%-0.99%-2.36%-2.66%-2.21%-193 bps
Return on Equity-1.84%-6.77%-16.39%-19.22%-15.54%-1,369 bps
Net Interest Margin4.79%4.90%4.79%4.92%5.18%+39 bps
Efficiency Ratio99.45%104.09%116.87%117.54%116.69%+1,724 bps
Growth
Asset Growth (YoY)-8.72%-11.96%-15.09%-12.81%-10.76%-203 bps
Loan Growth (YoY)-6.65%-6.50%-9.16%-17.65%-22.79%-1,613 bps
Share Growth (YoY)-10.70%-12.85%-15.66%-11.95%-9.11%+159 bps
Asset Quality
Delinquent Loans / Loans2.15%4.55%4.33%3.52%3.36%+121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%1.50%1.54%1.63%1.70%+106 bps
Capital
Risk-Based Capital14.91%14.56%14.38%13.83%14.21%-70 bps
Net Worth / Assets14.91%14.56%14.38%13.83%14.21%-70 bps
Liquidity & Funding
Loans / Shares80.79%78.56%75.68%69.95%68.63%-1,216 bps
Liquid Assets / Assets16.60%17.69%20.06%0.00%0.00%-1,660 bps