Huntington, WV · Charter 67721
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Huntington, WV · Charter 67721
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.22% | 1.55% | 1.29% | 1.66% | +33 bps | |
| Return on Equity | 9.15% | 9.32% | 13.96% | 12.45% | 10.01% | +86 bps | |
| Net Interest Margin | 5.13% | 4.38% | 4.00% | 3.84% | 5.81% | +68 bps | |
| Efficiency Ratio | 70.59% | 69.16% | 58.03% | 63.09% | 68.31% | -228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.84% | 0.31% | 3.81% | 0.61% | -2.53% | +131 bps | |
| Loan Growth (YoY) | -8.34% | -6.64% | -4.01% | -3.40% | 3.33% | +1,166 bps | |
| Share Growth (YoY) | -5.81% | -1.10% | 2.91% | -0.60% | -4.98% | +83 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.37% | 1.66% | 0.34% | 1.61% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.53% | 1.73% | 1.91% | 1.85% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.51% | 13.14% | 11.07% | 10.38% | 16.54% | +203 bps | |
| Net Worth / Assets | 14.51% | 13.14% | 11.07% | 10.38% | 16.54% | +203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.51% | 58.69% | 44.54% | 40.23% | 75.59% | +608 bps | |
| Liquid Assets / Assets | 0.00% | 96.45% | 0.00% | 0.00% | 0.00% | 0 bps | |