PackageTrendsPeer
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Trigon Mutual Employees' CU, Inc.

Richmond, VA · Charter 66918

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Trigon Mutual Employees' CU, Inc.

Richmond, VA · Charter 66918

Q2 2007

$10.5MAssets
$6.0MLoans
$9.0MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, down 3 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 1.16% of loans (-81 bps YoY).
  • Capital: net worth / assets of 13.90%, up 140 bps from a year ago.
  • Funding: loans stand at 66.96% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

0.52%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-22 bps YoY

Efficiency Ratio (YTD, annualized)

89.19%+872 bps YoY

Net Worth / Assets

13.90%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.95%1.11%0.33%0.55%0.88%0.74%0.39%0.52%-3 bps
Return on Equity8.06%8.60%2.75%4.39%6.39%5.17%2.88%3.73%-66 bps
Net Interest Margin4.51%4.76%4.45%4.47%4.94%4.79%4.17%4.24%-22 bps
Efficiency Ratio76.39%77.81%81.14%80.47%78.91%82.10%92.89%89.19%+872 bps
Growth
Asset Growth (YoY)-0.31%-5.02%-9.18%-6.99%-8.44%-4.62%-5.71%-4.64%+234 bps
Loan Growth (YoY)-6.13%-5.09%-1.80%-1.34%1.07%1.54%-0.51%4.11%+546 bps
Share Growth (YoY)-1.03%-6.75%-11.11%-8.55%-10.46%-6.11%-7.23%-6.02%+254 bps
Asset Quality
Delinquent Loans / Loans0.91%1.96%1.57%1.97%1.72%1.98%1.20%1.16%-81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.72%0.81%0.83%0.87%0.73%0.81%0.81%-2 bps
Capital
Risk-Based Capital11.75%12.88%12.14%12.50%13.72%14.31%13.64%13.90%+140 bps
Net Worth / Assets11.75%12.88%12.14%12.50%13.72%14.31%13.64%13.90%+140 bps
Liquidity & Funding
Loans / Shares59.83%63.30%58.02%60.45%67.53%68.45%62.22%66.96%+651 bps
Liquid Assets / Assets30.28%29.53%36.83%0.00%0.00%0.00%0.00%0.00%0 bps