Fort Wayne, IN · Charter 6717
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Fort Wayne, IN · Charter 6717
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | -0.31% | 0.12% | -0.29% | 0.00% | -30 bps | |
| Return on Equity | 2.64% | -2.64% | 0.96% | -2.59% | 0.03% | -261 bps | |
| Net Interest Margin | 5.34% | 5.32% | 5.42% | 5.32% | 5.65% | +31 bps | |
| Efficiency Ratio | 91.64% | 102.70% | 97.07% | 96.43% | 93.22% | +158 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.43% | -5.88% | -3.59% | -2.36% | -6.04% | -848 bps | |
| Loan Growth (YoY) | -3.64% | -4.85% | -6.92% | -6.54% | -5.17% | -153 bps | |
| Share Growth (YoY) | 2.56% | -6.82% | -4.32% | -2.65% | -6.77% | -932 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.70% | 1.73% | 0.98% | 0.58% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.58% | 0.58% | 0.71% | 0.58% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.37% | 11.56% | 11.96% | 11.30% | 12.10% | +74 bps | |
| Net Worth / Assets | 11.37% | 11.56% | 11.96% | 11.30% | 12.10% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.41% | 88.47% | 90.56% | 86.19% | 89.92% | +152 bps | |
| Liquid Assets / Assets | 17.23% | 17.61% | 15.62% | 19.67% | 16.39% | -85 bps | |