Manassas, VA · Charter 66958
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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.
Manassas, VA · Charter 66958
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | -0.01% | 0.91% | 0.91% | 1.16% | -40 bps | |
| Return on Equity | 11.25% | -0.10% | 6.36% | 6.34% | 7.25% | -399 bps | |
| Net Interest Margin | 4.60% | 3.74% | 4.13% | 4.17% | 4.74% | +14 bps | |
| Efficiency Ratio | 56.46% | 83.50% | 62.88% | 63.10% | 60.96% | +450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.65% | -3.07% | -8.56% | -8.11% | -6.92% | -328 bps | |
| Loan Growth (YoY) | -1.53% | -4.74% | -9.08% | -12.05% | -13.38% | -1,186 bps | |
| Share Growth (YoY) | -5.86% | -4.61% | -10.92% | -10.22% | -9.18% | -332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.53% | 9.21% | 7.43% | 6.09% | 5.91% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 2.46% | 1.89% | 2.14% | 2.17% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.95% | 13.45% | 14.24% | 14.36% | 16.05% | +211 bps | |
| Net Worth / Assets | 13.95% | 13.45% | 14.24% | 14.36% | 16.05% | +211 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.10% | 63.43% | 61.30% | 63.22% | 68.76% | -334 bps | |
| Liquid Assets / Assets | 37.10% | 44.51% | 0.00% | 0.00% | 0.00% | -3,710 bps | |